Call reports 2002
KINGSTON NATIONAL BANK — 2002
What KINGSTON NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 114,926,000 | 114,772,000 | 120,401,000 | 121,144,000 |
| Total loans | 76,711,000 | 80,581,000 | 83,389,000 | 81,274,000 |
| Allowance for loan losses | 750,000 | 785,000 | 809,000 | 887,000 |
| Securities available for sale | 15,698,000 | 16,407,000 | 16,635,000 | 17,591,000 |
| Securities held to maturity | 10,516,000 | 10,897,000 | 12,063,000 | 10,229,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,814,000 | 98,521,000 | 103,419,000 | 104,210,000 |
| Interest-bearing deposits | 89,437,000 | 89,036,000 | 93,848,000 | 94,200,000 |
| Noninterest-bearing deposits | 9,377,000 | 9,485,000 | 9,571,000 | 10,010,000 |
| Equity capital | 11,010,000 | 11,283,000 | 11,876,000 | 12,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,865,000 | 3,730,000 | 5,682,000 | 7,599,000 |
| Interest expense | 784,000 | 1,566,000 | 2,333,000 | 3,052,000 |
| Net interest income | 1,081,000 | 2,164,000 | 3,349,000 | 4,547,000 |
| Noninterest income | 122,000 | 261,000 | 368,000 | 471,000 |
| Noninterest expense | 610,000 | 1,272,000 | 1,939,000 | 2,621,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 548,000 | 1,066,000 | 1,652,000 | 2,265,000 |
| Income tax | 12,000 | 174,000 | 384,000 | 473,000 |
| Net income | 536,000 | 892,000 | 1,268,000 | 1,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,851,000 | 11,137,000 | 11,441,000 | 11,895,000 |
| Total capital | 11,601,000 | 11,922,000 | 12,250,000 | 12,782,000 |
| Risk-weighted assets | 77,104,000 | 78,598,000 | 83,667,000 | 83,514,000 |