Call reports 2004
KINGSTON NATIONAL BANK — 2004
What KINGSTON NATIONAL 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 | 126,862,000 | 127,030,000 | 129,810,000 | 128,006,000 |
| Total loans | 87,688,000 | 92,842,000 | 95,111,000 | 94,364,000 |
| Allowance for loan losses | 968,000 | 1,008,000 | 1,051,000 | 1,143,000 |
| Securities available for sale | 17,599,000 | 16,768,000 | 15,374,000 | 15,488,000 |
| Securities held to maturity | 9,225,000 | 9,092,000 | 8,734,000 | 8,382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,231,000 | 106,508,000 | 108,704,000 | 106,648,000 |
| Interest-bearing deposits | 95,688,000 | 96,056,000 | 97,666,000 | 94,320,000 |
| Noninterest-bearing deposits | 10,543,000 | 10,452,000 | 11,038,000 | 12,328,000 |
| Equity capital | 14,207,000 | 14,289,000 | 14,904,000 | 15,156,000 |
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 | 1,749,000 | 3,577,000 | 5,385,000 | 7,257,000 |
| Interest expense | 487,000 | 973,000 | 1,473,000 | 1,978,000 |
| Net interest income | 1,262,000 | 2,604,000 | 3,912,000 | 5,279,000 |
| Noninterest income | 116,000 | 235,000 | 352,000 | 478,000 |
| Noninterest expense | 705,000 | 1,428,000 | 2,197,000 | 3,109,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 150,000 |
| Pretax income | 640,000 | 1,333,000 | 1,944,000 | 2,593,000 |
| Income tax | 124,000 | 308,000 | 478,000 | 635,000 |
| Net income | 516,000 | 1,025,000 | 1,466,000 | 1,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,010,000 | 14,435,000 | 14,792,000 | 15,199,000 |
| Total capital | 14,978,000 | 15,443,000 | 15,843,000 | 16,342,000 |
| Risk-weighted assets | 92,446,000 | 93,747,000 | 95,981,000 | 94,044,000 |