Call reports 2005
KENNETT TRUST BANK — 2005
What KENNETT TRUST 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 | 102,068,000 | 101,649,000 | 100,546,000 | 103,560,000 |
| Total loans | 38,791,000 | 45,211,000 | 48,551,000 | 46,832,000 |
| Allowance for loan losses | 868,000 | 891,000 | 789,000 | 768,000 |
| Securities available for sale | 50,424,000 | 39,836,000 | 41,107,000 | 45,455,000 |
| Securities held to maturity | 1,620,000 | 4,464,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,530,000 | 77,582,000 | 74,378,000 | 82,516,000 |
| Interest-bearing deposits | 66,292,000 | 65,085,000 | 62,352,000 | 45,624,000 |
| Noninterest-bearing deposits | 14,238,000 | 12,497,000 | 12,026,000 | 36,892,000 |
| Equity capital | 10,333,000 | 10,682,000 | 10,533,000 | 10,197,000 |
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 | 1,153,000 | 2,463,000 | 3,721,000 | 4,997,000 |
| Interest expense | 507,000 | 1,004,000 | 1,536,000 | 2,165,000 |
| Net interest income | 646,000 | 1,459,000 | 2,185,000 | 2,832,000 |
| Noninterest income | 248,000 | 485,000 | 746,000 | 1,051,000 |
| Noninterest expense | 812,000 | 1,628,000 | 2,434,000 | 3,260,000 |
| Provision for loan losses | 0 | 90,000 | 94,000 | 94,000 |
| Pretax income | 93,000 | 284,000 | 458,000 | 585,000 |
| Income tax | 0 | 40,000 | 85,000 | 134,000 |
| Net income | 93,000 | 244,000 | 373,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,749,000 | 10,828,000 | 10,819,000 | 10,836,000 |
| Total capital | 11,414,000 | 11,537,000 | 11,548,000 | 11,570,000 |
| Risk-weighted assets | 53,775,000 | 56,662,000 | 58,754,000 | 58,389,000 |