Call reports 2012
KINGSTON NATIONAL BANK — 2012
What KINGSTON NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 207,709,000 | 211,100,000 | 211,866,000 | 215,767,000 |
| Total loans | 127,894,000 | 138,408,000 | 140,920,000 | 148,022,000 |
| Allowance for loan losses | 1,650,000 | 1,725,000 | 1,762,000 | 1,811,000 |
| Securities available for sale | 49,336,000 | 53,308,000 | 50,539,000 | 50,299,000 |
| Securities held to maturity | 475,000 | 475,000 | 475,000 | 475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,818,000 | 183,171,000 | 183,369,000 | 183,544,000 |
| Interest-bearing deposits | 148,004,000 | 152,388,000 | 151,975,000 | 147,080,000 |
| Noninterest-bearing deposits | 30,814,000 | 30,783,000 | 31,394,000 | 36,464,000 |
| Equity capital | 22,137,000 | 22,740,000 | 23,208,000 | 23,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,276,000 | 4,468,000 | 6,696,000 | 8,902,000 |
| Interest expense | 397,000 | 765,000 | 1,123,000 | 1,471,000 |
| Net interest income | 1,879,000 | 3,703,000 | 5,573,000 | 7,431,000 |
| Noninterest income | 113,000 | 222,000 | 325,000 | 434,000 |
| Noninterest expense | 1,267,000 | 2,410,000 | 3,591,000 | 4,828,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 650,000 | 1,365,000 | 2,082,000 | 2,737,000 |
| Income tax | 145,000 | 352,000 | 494,000 | 689,000 |
| Net income | 505,000 | 1,013,000 | 1,588,000 | 2,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,074,000 | 21,369,000 | 21,731,000 | 21,978,000 |
| Total capital | 22,653,000 | 23,028,000 | 23,421,000 | 23,740,000 |
| Risk-weighted assets | 126,343,000 | 131,862,000 | 134,393,000 | 143,450,000 |