Call reports 2003
KINGSTON NATIONAL BANK — 2003
What KINGSTON NATIONAL 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 | 122,503,000 | 122,677,000 | 124,260,000 | 127,396,000 |
| Total loans | 83,101,000 | 88,019,000 | 91,178,000 | 88,393,000 |
| Allowance for loan losses | 931,000 | 997,000 | 907,000 | 957,000 |
| Securities available for sale | 17,119,000 | 16,804,000 | 15,270,000 | 16,831,000 |
| Securities held to maturity | 10,125,000 | 9,898,000 | 9,729,000 | 9,228,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,352,000 | 104,666,000 | 103,067,000 | 107,144,000 |
| Interest-bearing deposits | 95,497,000 | 93,981,000 | 92,809,000 | 95,264,000 |
| Noninterest-bearing deposits | 9,855,000 | 10,685,000 | 10,258,000 | 11,880,000 |
| Equity capital | 12,426,000 | 12,863,000 | 13,164,000 | 13,725,000 |
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 | 1,838,000 | 3,661,000 | 5,488,000 | 7,314,000 |
| Interest expense | 630,000 | 1,249,000 | 1,811,000 | 2,297,000 |
| Net interest income | 1,208,000 | 2,412,000 | 3,677,000 | 5,017,000 |
| Noninterest income | 127,000 | 259,000 | 378,000 | 498,000 |
| Noninterest expense | 655,000 | 1,325,000 | 2,031,000 | 2,798,000 |
| Provision for loan losses | 45,000 | 105,000 | 135,000 | 210,000 |
| Pretax income | 635,000 | 1,285,000 | 2,006,000 | 2,636,000 |
| Income tax | 152,000 | 351,000 | 561,000 | 643,000 |
| Net income | 483,000 | 934,000 | 1,445,000 | 1,993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,300,000 | 12,673,000 | 13,108,000 | 13,578,000 |
| Total capital | 13,231,000 | 13,670,000 | 14,015,000 | 14,535,000 |
| Risk-weighted assets | 84,853,000 | 88,588,000 | 91,525,000 | 90,950,000 |