Call reports 2004
FIRST KENSINGTON BANK — 2004
What FIRST KENSINGTON BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 293,262,000 | 289,491,000 | 307,568,000 | 268,673,000 |
| Total loans | 97,411,000 | 100,990,000 | 93,147,000 | 97,770,000 |
| Allowance for loan losses | 935,000 | 960,000 | 980,000 | 1,000,000 |
| Securities available for sale | 5,212,000 | 5,017,000 | 5,103,000 | 5,061,000 |
| Securities held to maturity | 183,061,000 | 173,564,000 | 200,966,000 | 153,338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,015,000 | 263,654,000 | 264,700,000 | 241,618,000 |
| Interest-bearing deposits | 233,872,000 | 240,284,000 | 242,145,000 | 212,123,000 |
| Noninterest-bearing deposits | 20,143,000 | 23,370,000 | 22,555,000 | 29,495,000 |
| Equity capital | 24,927,000 | 25,547,000 | 26,292,000 | 26,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,550,000 | 6,982,000 | 10,537,000 | 14,182,000 |
| Interest expense | 1,317,000 | 2,567,000 | 3,860,000 | 5,119,000 |
| Net interest income | 2,233,000 | 4,415,000 | 6,677,000 | 9,063,000 |
| Noninterest income | 60,000 | 124,000 | 203,000 | 273,000 |
| Noninterest expense | 1,074,000 | 2,201,000 | 3,410,000 | 4,864,000 |
| Provision for loan losses | 35,000 | 60,000 | 84,000 | 127,000 |
| Pretax income | 1,192,000 | 2,286,000 | 3,394,000 | 4,354,000 |
| Income tax | 437,000 | 815,000 | 1,255,000 | 1,639,000 |
| Net income | 755,000 | 1,471,000 | 2,139,000 | 2,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,920,000 | 25,636,000 | 26,305,000 | 26,880,000 |
| Total capital | 25,855,000 | 26,596,000 | 27,285,000 | 27,880,000 |
| Risk-weighted assets | 144,736,000 | 147,320,000 | 141,314,000 | 136,661,000 |