Call reports 2013
KINGSTON NATIONAL BANK — 2013
What KINGSTON NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 220,878,000 | 221,749,000 | 227,017,000 | 231,510,000 |
| Total loans | 137,840,000 | 146,629,000 | 153,731,000 | 160,631,000 |
| Allowance for loan losses | 1,906,000 | 2,021,000 | 2,027,000 | 2,054,000 |
| Securities available for sale | 55,762,000 | 57,008,000 | 56,857,000 | 54,190,000 |
| Securities held to maturity | 475,000 | 475,000 | 475,000 | 475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,704,000 | 196,076,000 | 199,339,000 | 199,057,000 |
| Interest-bearing deposits | 156,699,000 | 159,978,000 | 161,233,000 | 158,320,000 |
| Noninterest-bearing deposits | 37,005,000 | 36,098,000 | 38,106,000 | 40,737,000 |
| Equity capital | 22,617,000 | 21,442,000 | 22,017,000 | 22,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,125,000 | 4,337,000 | 6,573,000 | 8,888,000 |
| Interest expense | 329,000 | 629,000 | 929,000 | 1,216,000 |
| Net interest income | 1,796,000 | 3,708,000 | 5,644,000 | 7,672,000 |
| Noninterest income | 111,000 | 229,000 | 340,000 | 444,000 |
| Noninterest expense | 1,301,000 | 2,676,000 | 4,009,000 | 5,271,000 |
| Provision for loan losses | 75,000 | 150,000 | 215,000 | 260,000 |
| Pretax income | 531,000 | 1,111,000 | 1,760,000 | 2,572,000 |
| Income tax | 120,000 | 282,000 | 431,000 | 641,000 |
| Net income | 411,000 | 829,000 | 1,329,000 | 1,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,716,000 | 22,133,000 | 22,415,000 | 22,803,000 |
| Total capital | 23,409,000 | 23,939,000 | 24,295,000 | 24,743,000 |
| Risk-weighted assets | 136,004,000 | 143,536,000 | 149,479,000 | 155,046,000 |