Call reports 2020
KINGSTON NATIONAL BANK — 2020
What KINGSTON NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 384,570,000 | 404,443,000 | 409,047,000 | 421,847,000 |
| Total loans | 266,859,000 | 284,009,000 | 294,337,000 | 304,470,000 |
| Allowance for loan losses | 2,619,000 | 2,668,000 | 2,690,000 | 2,718,000 |
| Securities available for sale | 73,122,000 | 79,035,000 | 81,654,000 | 79,931,000 |
| Securities held to maturity | 80,000 | 80,000 | 80,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,891,000 | 355,004,000 | 359,419,000 | 371,725,000 |
| Interest-bearing deposits | 277,702,000 | 280,062,000 | 287,913,000 | 287,174,000 |
| Noninterest-bearing deposits | 60,189,000 | 74,942,000 | 71,506,000 | 84,551,000 |
| Equity capital | 31,694,000 | 34,308,000 | 34,767,000 | 35,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,728,000 | 7,180,000 | 10,620,000 | 14,345,000 |
| Interest expense | 888,000 | 1,473,000 | 2,097,000 | 2,628,000 |
| Net interest income | 2,840,000 | 5,707,000 | 8,523,000 | 11,717,000 |
| Noninterest income | 328,000 | 649,000 | 1,028,000 | 1,398,000 |
| Noninterest expense | 2,374,000 | 4,560,000 | 7,034,000 | 9,551,000 |
| Provision for loan losses | 23,000 | 68,000 | 113,000 | 158,000 |
| Pretax income | 751,000 | 1,708,000 | 2,384,000 | 3,386,000 |
| Income tax | 115,000 | 266,000 | 359,000 | 521,000 |
| Net income | 636,000 | 1,442,000 | 2,025,000 | 2,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,136,000 | 32,714,000 | 33,068,000 | 33,680,000 |
| Total capital | 34,755,000 | 35,382,000 | 35,758,000 | 36,398,000 |
| Risk-weighted assets | 275,055,000 | 296,234,000 | 301,856,000 | 305,880,000 |