Call reports 2016
KINGSTON NATIONAL BANK — 2016
What KINGSTON NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 277,356,000 | 275,089,000 | 282,483,000 | 293,457,000 |
| Total loans | 165,218,000 | 173,705,000 | 181,333,000 | 195,351,000 |
| Allowance for loan losses | 2,293,000 | 2,332,000 | 2,358,000 | 2,396,000 |
| Securities available for sale | 78,541,000 | 81,496,000 | 80,967,000 | 77,690,000 |
| Securities held to maturity | 355,000 | 355,000 | 355,000 | 290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,686,000 | 240,259,000 | 247,661,000 | 249,753,000 |
| Interest-bearing deposits | 187,116,000 | 184,602,000 | 188,302,000 | 185,771,000 |
| Noninterest-bearing deposits | 56,570,000 | 55,657,000 | 59,359,000 | 63,982,000 |
| Equity capital | 26,042,000 | 27,236,000 | 27,288,000 | 25,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,458,000 | 4,963,000 | 7,466,000 | 10,127,000 |
| Interest expense | 302,000 | 579,000 | 883,000 | 1,179,000 |
| Net interest income | 2,156,000 | 4,384,000 | 6,583,000 | 8,948,000 |
| Noninterest income | 125,000 | 258,000 | 429,000 | 556,000 |
| Noninterest expense | 1,516,000 | 3,152,000 | 4,818,000 | 6,450,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 720,000 | 1,400,000 | 2,059,000 | 2,874,000 |
| Income tax | 173,000 | 251,000 | 415,000 | 689,000 |
| Net income | 547,000 | 1,149,000 | 1,644,000 | 2,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,580,000 | 25,962,000 | 26,239,000 | 26,561,000 |
| Total capital | 27,853,000 | 28,248,000 | 28,597,000 | 28,959,000 |
| Risk-weighted assets | 181,678,000 | 182,806,000 | 189,331,000 | 202,765,000 |