Call reports 2003
KENNETT TRUST BANK — 2003
What KENNETT TRUST 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 | 112,627,000 | 109,151,000 | 107,676,000 | 113,622,000 |
| Total loans | 52,058,000 | 50,842,000 | 51,590,000 | 43,826,000 |
| Allowance for loan losses | 921,000 | 1,061,000 | 1,064,000 | 1,115,000 |
| Securities available for sale | 32,430,000 | 31,198,000 | 28,026,000 | 38,830,000 |
| Securities held to maturity | 10,286,000 | 10,299,000 | 13,086,000 | 11,912,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,630,000 | 87,239,000 | 86,218,000 | 92,255,000 |
| Interest-bearing deposits | 76,002,000 | 76,397,000 | 74,991,000 | 74,467,000 |
| Noninterest-bearing deposits | 13,627,000 | 10,842,000 | 11,227,000 | 17,788,000 |
| Equity capital | 10,580,000 | 10,474,000 | 10,173,000 | 10,675,000 |
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 | 1,474,000 | 2,857,000 | 4,190,000 | 5,659,000 |
| Interest expense | 662,000 | 1,293,000 | 1,868,000 | 2,398,000 |
| Net interest income | 812,000 | 1,564,000 | 2,322,000 | 3,261,000 |
| Noninterest income | 197,000 | 390,000 | 595,000 | 884,000 |
| Noninterest expense | 749,000 | 1,507,000 | 2,325,000 | 3,115,000 |
| Provision for loan losses | 0 | 384,000 | 546,000 | 636,000 |
| Pretax income | 303,000 | 172,000 | 165,000 | 508,000 |
| Income tax | 65,000 | 65,000 | 65,000 | 8,000 |
| Net income | 238,000 | 107,000 | 90,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,364,000 | 10,223,000 | 10,206,000 | 10,616,000 |
| Total capital | 11,165,000 | 11,020,000 | 11,026,000 | 11,379,000 |
| Risk-weighted assets | 63,942,000 | 63,534,000 | 65,416,000 | 60,659,000 |