Call reports 2009
KINGSTON NATIONAL BANK — 2009
What KINGSTON NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 168,420,000 | 170,713,000 | 174,415,000 | 175,678,000 |
| Total loans | 106,653,000 | 112,875,000 | 115,093,000 | 117,018,000 |
| Allowance for loan losses | 1,472,000 | 1,398,000 | 1,435,000 | 1,601,000 |
| Securities available for sale | 41,943,000 | 38,924,000 | 43,158,000 | 45,745,000 |
| Securities held to maturity | 3,362,000 | 2,768,000 | 2,648,000 | 2,483,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,824,000 | 142,925,000 | 146,539,000 | 147,218,000 |
| Interest-bearing deposits | 123,040,000 | 126,738,000 | 130,041,000 | 127,934,000 |
| Noninterest-bearing deposits | 17,784,000 | 16,187,000 | 16,498,000 | 19,284,000 |
| Equity capital | 18,590,000 | 18,822,000 | 18,823,000 | 18,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,373,000 | 4,649,000 | 7,053,000 | 9,403,000 |
| Interest expense | 835,000 | 1,655,000 | 2,424,000 | 3,126,000 |
| Net interest income | 1,538,000 | 2,994,000 | 4,629,000 | 6,277,000 |
| Noninterest income | 132,000 | 268,000 | 408,000 | 543,000 |
| Noninterest expense | 1,015,000 | 2,026,000 | 3,257,000 | 4,391,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 150,000 |
| Pretax income | 610,000 | 1,146,000 | 1,650,000 | 2,284,000 |
| Income tax | 153,000 | 294,000 | 396,000 | 521,000 |
| Net income | 457,000 | 852,000 | 1,254,000 | 1,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,407,000 | 18,620,000 | 17,932,000 | 18,259,000 |
| Total capital | 19,804,000 | 20,018,000 | 19,301,000 | 19,745,000 |
| Risk-weighted assets | 110,950,000 | 114,990,000 | 108,718,000 | 118,035,000 |