Call reports 2006
KENNETT TRUST BANK — 2006
What KENNETT TRUST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 108,786,000 | 112,503,000 | 114,299,000 | 107,247,000 |
| Total loans | 49,762,000 | 54,919,000 | 57,305,000 | 53,665,000 |
| Allowance for loan losses | 697,000 | 684,000 | 707,000 | 708,000 |
| Securities available for sale | 47,128,000 | 44,433,000 | 45,573,000 | 35,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,597,000 | 83,802,000 | 84,307,000 | 86,148,000 |
| Interest-bearing deposits | 67,386,000 | 68,283,000 | 67,677,000 | 62,311,000 |
| Noninterest-bearing deposits | 14,211,000 | 15,519,000 | 16,630,000 | 23,837,000 |
| Equity capital | 9,895,000 | 9,605,000 | 10,140,000 | 10,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,364,000 | 2,835,000 | 4,432,000 | 5,954,000 |
| Interest expense | 684,000 | 1,468,000 | 2,432,000 | 3,350,000 |
| Net interest income | 680,000 | 1,367,000 | 2,000,000 | 2,604,000 |
| Noninterest income | 286,000 | 640,000 | 984,000 | 1,348,000 |
| Noninterest expense | 887,000 | 1,729,000 | 2,606,000 | 3,570,000 |
| Provision for loan losses | 0 | 30,000 | 97,000 | 150,000 |
| Pretax income | 79,000 | 241,000 | 274,000 | 128,000 |
| Income tax | 0 | 45,000 | 45,000 | 16,000 |
| Net income | 79,000 | 196,000 | 229,000 | 112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,661,000 | 10,717,000 | 10,628,000 | 10,457,000 |
| Total capital | 11,358,000 | 11,401,000 | 11,335,000 | 11,165,000 |
| Risk-weighted assets | 62,523,000 | 66,404,000 | 66,299,000 | 61,821,000 |