Call reports 2014
KINGSTON NATIONAL BANK — 2014
What KINGSTON NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 239,983,000 | 238,943,000 | 244,074,000 | 248,647,000 |
| Total loans | 149,811,000 | 157,468,000 | 157,001,000 | 165,907,000 |
| Allowance for loan losses | 2,099,000 | 2,114,000 | 2,184,000 | 2,211,000 |
| Securities available for sale | 62,286,000 | 65,893,000 | 64,053,000 | 67,509,000 |
| Securities held to maturity | 475,000 | 475,000 | 475,000 | 475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,950,000 | 208,240,000 | 213,350,000 | 212,463,000 |
| Interest-bearing deposits | 165,271,000 | 166,189,000 | 168,986,000 | 164,951,000 |
| Noninterest-bearing deposits | 44,679,000 | 42,051,000 | 44,364,000 | 47,512,000 |
| Equity capital | 22,681,000 | 23,551,000 | 23,758,000 | 24,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,201,000 | 4,542,000 | 6,865,000 | 9,286,000 |
| Interest expense | 295,000 | 583,000 | 891,000 | 1,202,000 |
| Net interest income | 1,906,000 | 3,959,000 | 5,974,000 | 8,084,000 |
| Noninterest income | 115,000 | 225,000 | 343,000 | 453,000 |
| Noninterest expense | 1,391,000 | 2,759,000 | 4,172,000 | 5,652,000 |
| Provision for loan losses | 45,000 | 90,000 | 165,000 | 210,000 |
| Pretax income | 686,000 | 1,436,000 | 2,150,000 | 2,845,000 |
| Income tax | 182,000 | 359,000 | 558,000 | 763,000 |
| Net income | 504,000 | 1,077,000 | 1,592,000 | 2,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,090,000 | 23,447,000 | 23,745,000 | 24,018,000 |
| Total capital | 24,945,000 | 25,392,000 | 25,704,000 | 26,070,000 |
| Risk-weighted assets | 148,125,000 | 155,379,000 | 156,421,000 | 163,922,000 |