Call reports 2008
KINGSTON NATIONAL BANK — 2008
What KINGSTON NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 163,773,000 | 161,348,000 | 160,303,000 | 165,105,000 |
| Total loans | 105,678,000 | 109,073,000 | 110,212,000 | 111,725,000 |
| Allowance for loan losses | 1,289,000 | 1,333,000 | 1,384,000 | 1,430,000 |
| Securities available for sale | 36,608,000 | 35,317,000 | 35,972,000 | 39,082,000 |
| Securities held to maturity | 4,045,000 | 3,874,000 | 3,608,000 | 3,362,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,668,000 | 135,145,000 | 134,498,000 | 138,534,000 |
| Interest-bearing deposits | 124,406,000 | 120,683,000 | 119,386,000 | 122,230,000 |
| Noninterest-bearing deposits | 16,262,000 | 14,462,000 | 15,112,000 | 16,304,000 |
| Equity capital | 17,638,000 | 17,227,000 | 17,456,000 | 18,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,395,000 | 4,752,000 | 7,164,000 | 9,474,000 |
| Interest expense | 1,140,000 | 2,195,000 | 3,129,000 | 4,043,000 |
| Net interest income | 1,255,000 | 2,557,000 | 4,035,000 | 5,431,000 |
| Noninterest income | 151,000 | 297,000 | 447,000 | 577,000 |
| Noninterest expense | 954,000 | 1,925,000 | 2,955,000 | 3,949,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 407,000 | 839,000 | 1,392,000 | 1,879,000 |
| Income tax | 85,000 | 162,000 | 279,000 | 377,000 |
| Net income | 322,000 | 677,000 | 1,113,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,437,000 | 17,628,000 | 17,902,000 | 18,129,000 |
| Total capital | 18,726,000 | 18,961,000 | 19,286,000 | 19,559,000 |
| Risk-weighted assets | 111,373,000 | 114,707,000 | 114,610,000 | 115,684,000 |