Call reports 2007
KINGSTON NATIONAL BANK — 2007
What KINGSTON NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 153,098,000 | 151,967,000 | 154,764,000 | 156,385,000 |
| Total loans | 104,447,000 | 109,302,000 | 108,918,000 | 106,515,000 |
| Allowance for loan losses | 1,162,000 | 1,176,000 | 1,210,000 | 1,254,000 |
| Securities available for sale | 28,387,000 | 26,273,000 | 27,451,000 | 31,397,000 |
| Securities held to maturity | 6,380,000 | 6,165,000 | 6,104,000 | 4,356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,239,000 | 127,710,000 | 132,257,000 | 133,427,000 |
| Interest-bearing deposits | 117,509,000 | 115,542,000 | 119,026,000 | 118,651,000 |
| Noninterest-bearing deposits | 12,730,000 | 12,168,000 | 13,231,000 | 14,776,000 |
| Equity capital | 16,424,000 | 16,449,000 | 16,814,000 | 17,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,330,000 | 4,782,000 | 7,230,000 | 9,802,000 |
| Interest expense | 1,065,000 | 2,168,000 | 3,344,000 | 4,532,000 |
| Net interest income | 1,265,000 | 2,614,000 | 3,886,000 | 5,270,000 |
| Noninterest income | 159,000 | 321,000 | 482,000 | 633,000 |
| Noninterest expense | 898,000 | 1,813,000 | 2,893,000 | 3,859,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 481,000 | 1,036,000 | 1,344,000 | 1,913,000 |
| Income tax | 98,000 | 230,000 | 272,000 | 366,000 |
| Net income | 383,000 | 806,000 | 1,072,000 | 1,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,568,000 | 16,842,000 | 16,951,000 | 17,276,000 |
| Total capital | 17,730,000 | 18,018,000 | 18,161,000 | 18,530,000 |
| Risk-weighted assets | 108,088,000 | 111,241,000 | 111,703,000 | 110,478,000 |