Call reports 2011
KINGSTON NATIONAL BANK — 2011
What KINGSTON NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 185,425,000 | 190,362,000 | 194,927,000 | 195,767,000 |
| Total loans | 118,095,000 | 126,561,000 | 132,497,000 | 137,418,000 |
| Allowance for loan losses | 1,526,000 | 1,572,000 | 1,628,000 | 1,573,000 |
| Securities available for sale | 45,953,000 | 47,076,000 | 47,669,000 | 45,361,000 |
| Securities held to maturity | 999,000 | 999,000 | 999,000 | 475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,626,000 | 160,661,000 | 165,414,000 | 166,607,000 |
| Interest-bearing deposits | 135,115,000 | 137,809,000 | 142,449,000 | 139,917,000 |
| Noninterest-bearing deposits | 21,511,000 | 22,852,000 | 22,965,000 | 26,690,000 |
| Equity capital | 20,180,000 | 20,994,000 | 21,663,000 | 21,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,218,000 | 4,485,000 | 6,805,000 | 9,115,000 |
| Interest expense | 447,000 | 911,000 | 1,363,000 | 1,787,000 |
| Net interest income | 1,771,000 | 3,574,000 | 5,442,000 | 7,328,000 |
| Noninterest income | 158,000 | 297,000 | 446,000 | 604,000 |
| Noninterest expense | 1,192,000 | 2,413,000 | 3,637,000 | 4,811,000 |
| Provision for loan losses | 45,000 | 90,000 | 165,000 | 340,000 |
| Pretax income | 692,000 | 1,368,000 | 2,086,000 | 2,782,000 |
| Income tax | 175,000 | 353,000 | 539,000 | 680,000 |
| Net income | 517,000 | 1,015,000 | 1,547,000 | 2,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,817,000 | 20,109,000 | 20,434,000 | 20,782,000 |
| Total capital | 21,295,000 | 21,681,000 | 22,062,000 | 22,355,000 |
| Risk-weighted assets | 117,445,000 | 125,209,000 | 129,867,000 | 130,972,000 |