Call reports 2004
KENNETT TRUST BANK — 2004
What KENNETT TRUST 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 | 104,402,000 | 101,353,000 | 101,691,000 | 107,846,000 |
| Total loans | 41,396,000 | 44,036,000 | 46,246,000 | 40,961,000 |
| Allowance for loan losses | 963,000 | 1,026,000 | 957,000 | 876,000 |
| Securities available for sale | 39,302,000 | 33,892,000 | 33,647,000 | 36,231,000 |
| Securities held to maturity | 10,959,000 | 11,904,000 | 10,372,000 | 10,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,870,000 | 77,569,000 | 79,144,000 | 86,995,000 |
| Interest-bearing deposits | 70,366,000 | 67,222,000 | 67,860,000 | 69,504,000 |
| Noninterest-bearing deposits | 12,504,000 | 10,347,000 | 11,284,000 | 17,491,000 |
| Equity capital | 10,803,000 | 10,168,000 | 10,576,000 | 10,527,000 |
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 | 1,312,000 | 2,500,000 | 3,648,000 | 4,803,000 |
| Interest expense | 486,000 | 938,000 | 1,394,000 | 1,868,000 |
| Net interest income | 826,000 | 1,562,000 | 2,254,000 | 2,935,000 |
| Noninterest income | 210,000 | 424,000 | 692,000 | 931,000 |
| Noninterest expense | 765,000 | 1,613,000 | 2,398,000 | 3,243,000 |
| Provision for loan losses | 72,000 | 233,000 | 276,000 | 311,000 |
| Pretax income | 291,000 | 240,000 | 377,000 | 417,000 |
| Income tax | 55,000 | 65,000 | 65,000 | 15,000 |
| Net income | 236,000 | 175,000 | 312,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,740,000 | 10,615,000 | 10,694,000 | 10,720,000 |
| Total capital | 11,463,000 | 11,369,000 | 11,449,000 | 11,440,000 |
| Risk-weighted assets | 57,571,000 | 60,030,000 | 60,351,000 | 57,984,000 |