Call reports 2005
KINGSTON NATIONAL BANK — 2005
What KINGSTON NATIONAL 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 | 132,527,000 | 135,001,000 | 138,005,000 | 138,056,000 |
| Total loans | 92,690,000 | 96,765,000 | 100,785,000 | 98,093,000 |
| Allowance for loan losses | 1,186,000 | 1,179,000 | 1,190,000 | 1,200,000 |
| Securities available for sale | 16,579,000 | 19,477,000 | 18,174,000 | 19,354,000 |
| Securities held to maturity | 8,381,000 | 8,379,000 | 7,959,000 | 7,407,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,136,000 | 112,592,000 | 115,402,000 | 115,191,000 |
| Interest-bearing deposits | 100,046,000 | 101,280,000 | 102,333,000 | 100,900,000 |
| Noninterest-bearing deposits | 11,090,000 | 11,312,000 | 13,069,000 | 14,291,000 |
| Equity capital | 14,637,000 | 15,051,000 | 15,278,000 | 15,577,000 |
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 | 1,824,000 | 3,782,000 | 5,817,000 | 7,910,000 |
| Interest expense | 551,000 | 1,161,000 | 1,824,000 | 2,533,000 |
| Net interest income | 1,273,000 | 2,621,000 | 3,993,000 | 5,377,000 |
| Noninterest income | 128,000 | 265,000 | 399,000 | 529,000 |
| Noninterest expense | 846,000 | 1,719,000 | 2,680,000 | 3,532,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 510,000 | 1,077,000 | 1,579,000 | 2,196,000 |
| Income tax | 128,000 | 258,000 | 378,000 | 496,000 |
| Net income | 382,000 | 819,000 | 1,201,000 | 1,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,825,000 | 15,152,000 | 15,424,000 | 15,814,000 |
| Total capital | 16,011,000 | 16,331,000 | 16,614,000 | 17,014,000 |
| Risk-weighted assets | 95,808,000 | 98,890,000 | 101,092,000 | 99,819,000 |