Call reports 2005
FIRST KENSINGTON BANK — 2005
What FIRST KENSINGTON BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 277,550,000 | 279,879,000 | 304,858,000 | 324,654,000 |
| Total loans | 107,177,000 | 116,106,000 | 115,508,000 | 125,534,000 |
| Allowance for loan losses | 1,030,000 | 1,086,000 | 1,125,000 | 1,016,000 |
| Securities available for sale | 5,032,000 | 5,007,000 | 0 | 0 |
| Securities held to maturity | 153,668,000 | 148,149,000 | 175,924,000 | 184,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,393,000 | 248,952,000 | 271,768,000 | 281,119,000 |
| Interest-bearing deposits | 200,799,000 | 216,864,000 | 233,009,000 | 244,987,000 |
| Noninterest-bearing deposits | 33,594,000 | 32,088,000 | 38,759,000 | 36,132,000 |
| Equity capital | 27,710,000 | 27,651,000 | 27,555,000 | 28,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,557,000 | 7,390,000 | 11,501,000 | 16,002,000 |
| Interest expense | 1,166,000 | 2,609,000 | 4,268,000 | 6,247,000 |
| Net interest income | 2,391,000 | 4,781,000 | 7,233,000 | 9,755,000 |
| Noninterest income | 59,000 | 164,000 | 266,000 | 338,000 |
| Noninterest expense | 1,165,000 | 2,414,000 | 3,806,000 | 5,420,000 |
| Provision for loan losses | 12,000 | 67,000 | 107,000 | 0 |
| Pretax income | 1,275,000 | 2,466,000 | 3,589,000 | 4,676,000 |
| Income tax | 436,000 | 955,000 | 1,360,000 | 1,772,000 |
| Net income | 839,000 | 1,511,000 | 2,229,000 | 2,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,719,000 | 27,651,000 | 27,555,000 | 28,008,000 |
| Total capital | 28,749,000 | 28,737,000 | 28,680,000 | 29,024,000 |
| Risk-weighted assets | 146,672,000 | 153,637,000 | 158,046,000 | 170,945,000 |