Call reports 2015
KINGSTON NATIONAL BANK — 2015
What KINGSTON NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 251,089,000 | 247,205,000 | 261,014,000 | 264,918,000 |
| Total loans | 156,926,000 | 163,084,000 | 170,117,000 | 172,364,000 |
| Allowance for loan losses | 2,133,000 | 2,181,000 | 2,222,000 | 2,267,000 |
| Securities available for sale | 67,181,000 | 67,808,000 | 73,184,000 | 73,137,000 |
| Securities held to maturity | 415,000 | 415,000 | 415,000 | 355,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,617,000 | 214,739,000 | 227,833,000 | 231,554,000 |
| Interest-bearing deposits | 171,526,000 | 168,805,000 | 176,586,000 | 175,615,000 |
| Noninterest-bearing deposits | 48,091,000 | 45,934,000 | 51,247,000 | 55,939,000 |
| Equity capital | 24,822,000 | 24,476,000 | 25,159,000 | 25,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,273,000 | 4,707,000 | 7,131,000 | 9,592,000 |
| Interest expense | 302,000 | 588,000 | 896,000 | 1,199,000 |
| Net interest income | 1,971,000 | 4,119,000 | 6,235,000 | 8,393,000 |
| Noninterest income | 108,000 | 221,000 | 333,000 | 442,000 |
| Noninterest expense | 1,351,000 | 2,838,000 | 4,351,000 | 5,917,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 684,000 | 1,420,000 | 2,090,000 | 2,746,000 |
| Income tax | 165,000 | 314,000 | 493,000 | 641,000 |
| Net income | 519,000 | 1,106,000 | 1,597,000 | 2,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,320,000 | 24,689,000 | 24,962,000 | 25,252,000 |
| Total capital | 26,429,000 | 26,864,000 | 27,184,000 | 27,519,000 |
| Risk-weighted assets | 168,768,000 | 173,957,000 | 180,843,000 | 184,269,000 |