Call reports 2008
NATIONAL UNION BANK OF KINDERHOOK, THE — 2008
What NATIONAL UNION BANK OF KINDERHOOK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 200,487,000 | 204,733,000 | 203,369,000 | 198,487,000 |
| Total loans | 121,543,000 | 123,666,000 | 128,572,000 | 131,801,000 |
| Allowance for loan losses | 1,126,000 | 1,151,000 | 1,155,000 | 1,097,000 |
| Securities available for sale | 52,331,000 | 45,786,000 | 47,604,000 | 44,486,000 |
| Securities held to maturity | 2,113,000 | 1,847,000 | 1,637,000 | 3,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,295,000 | 186,852,000 | 185,254,000 | 180,069,000 |
| Interest-bearing deposits | 159,741,000 | 163,727,000 | 163,927,000 | 158,470,000 |
| Noninterest-bearing deposits | 21,554,000 | 23,125,000 | 21,327,000 | 21,599,000 |
| Equity capital | 15,602,000 | 15,246,000 | 15,482,000 | 16,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,564,000 | 5,061,000 | 7,591,000 | 10,096,000 |
| Interest expense | 904,000 | 1,711,000 | 2,522,000 | 3,264,000 |
| Net interest income | 1,660,000 | 3,350,000 | 5,069,000 | 6,832,000 |
| Noninterest income | 359,000 | 607,000 | 898,000 | 1,180,000 |
| Noninterest expense | 1,458,000 | 2,966,000 | 4,534,000 | 6,068,000 |
| Provision for loan losses | 31,000 | 44,000 | 38,000 | 120,000 |
| Pretax income | 530,000 | 947,000 | 1,395,000 | 1,824,000 |
| Income tax | 134,000 | 217,000 | 314,000 | 377,000 |
| Net income | 396,000 | 730,000 | 1,081,000 | 1,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,084,000 | 15,258,000 | 15,465,000 | 15,642,000 |
| Total capital | 16,339,000 | 16,541,000 | 16,757,000 | 16,878,000 |
| Risk-weighted assets | 120,610,000 | 120,114,000 | 122,266,000 | 122,867,000 |