Call reports 2006
KINGSTON NATIONAL BANK — 2006
What KINGSTON NATIONAL 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 | 141,008,000 | 140,359,000 | 147,916,000 | 150,290,000 |
| Total loans | 97,238,000 | 101,539,000 | 104,322,000 | 102,845,000 |
| Allowance for loan losses | 1,238,000 | 1,283,000 | 1,313,000 | 1,352,000 |
| Securities available for sale | 21,851,000 | 21,290,000 | 25,112,000 | 27,507,000 |
| Securities held to maturity | 6,916,000 | 6,811,000 | 6,561,000 | 6,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,998,000 | 115,967,000 | 124,354,000 | 126,423,000 |
| Interest-bearing deposits | 105,769,000 | 103,722,000 | 112,609,000 | 111,984,000 |
| Noninterest-bearing deposits | 12,229,000 | 12,245,000 | 11,745,000 | 14,439,000 |
| Equity capital | 15,829,000 | 15,822,000 | 16,542,000 | 16,815,000 |
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 | 2,088,000 | 4,259,000 | 6,589,000 | 8,991,000 |
| Interest expense | 755,000 | 1,578,000 | 2,544,000 | 3,582,000 |
| Net interest income | 1,333,000 | 2,681,000 | 4,045,000 | 5,409,000 |
| Noninterest income | 164,000 | 281,000 | 429,000 | 583,000 |
| Noninterest expense | 899,000 | 1,773,000 | 2,715,000 | 3,648,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 550,000 | 1,096,000 | 1,621,000 | 2,163,000 |
| Income tax | 145,000 | 268,000 | 375,000 | 481,000 |
| Net income | 405,000 | 828,000 | 1,246,000 | 1,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,089,000 | 16,384,000 | 16,673,000 | 16,979,000 |
| Total capital | 17,327,000 | 17,667,000 | 17,986,000 | 18,305,000 |
| Risk-weighted assets | 99,021,000 | 102,492,000 | 106,272,000 | 106,100,000 |