Call reports 2003
FIRST KENSINGTON BANK — 2003
What FIRST KENSINGTON BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 272,100,000 | 263,740,000 | 280,868,000 | 287,258,000 |
| Total loans | 85,411,000 | 91,928,000 | 90,667,000 | 90,173,000 |
| Allowance for loan losses | 725,000 | 860,000 | 880,000 | 900,000 |
| Securities available for sale | 6,312,000 | 9,074,000 | 5,130,000 | 5,117,000 |
| Securities held to maturity | 171,642,000 | 150,810,000 | 177,839,000 | 168,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,084,000 | 240,083,000 | 241,219,000 | 253,178,000 |
| Interest-bearing deposits | 221,232,000 | 226,770,000 | 223,299,000 | 237,881,000 |
| Noninterest-bearing deposits | 11,852,000 | 13,313,000 | 17,920,000 | 15,297,000 |
| Equity capital | 22,627,000 | 23,116,000 | 23,510,000 | 24,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,321,000 | 6,810,000 | 9,936,000 | 13,391,000 |
| Interest expense | 1,618,000 | 3,136,000 | 4,547,000 | 5,891,000 |
| Net interest income | 1,703,000 | 3,674,000 | 5,389,000 | 7,500,000 |
| Noninterest income | 36,000 | 82,000 | 123,000 | 198,000 |
| Noninterest expense | 901,000 | 2,077,000 | 3,114,000 | 4,347,000 |
| Provision for loan losses | 25,000 | 163,000 | 183,000 | 203,000 |
| Pretax income | 836,000 | 1,661,000 | 2,393,000 | 3,331,000 |
| Income tax | 327,000 | 640,000 | 885,000 | 1,260,000 |
| Net income | 509,000 | 1,021,000 | 1,508,000 | 2,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,602,000 | 23,115,000 | 23,602,000 | 24,165,000 |
| Total capital | 23,327,000 | 23,975,000 | 24,482,000 | 25,065,000 |
| Risk-weighted assets | 130,029,000 | 132,748,000 | 140,379,000 | 141,541,000 |