Call reports 2023
KINGSTON NATIONAL BANK — 2023
What KINGSTON NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 532,015,000 | 520,140,000 | 519,998,000 | 531,370,000 |
| Total loans | 347,537,000 | 358,567,000 | 369,339,000 | 384,589,000 |
| Allowance for loan losses | 3,752,000 | 3,815,000 | 3,846,000 | 3,836,000 |
| Securities available for sale | 108,743,000 | 110,399,000 | 105,543,000 | 110,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,698,000 | 479,547,000 | 482,074,000 | 488,374,000 |
| Interest-bearing deposits | 370,477,000 | 374,483,000 | 383,408,000 | 388,282,000 |
| Noninterest-bearing deposits | 120,221,000 | 105,064,000 | 98,666,000 | 100,092,000 |
| Equity capital | 36,388,000 | 35,819,000 | 33,307,000 | 38,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,976,000 | 10,374,000 | 15,930,000 | 21,715,000 |
| Interest expense | 1,279,000 | 3,027,000 | 5,182,000 | 7,692,000 |
| Net interest income | 3,697,000 | 7,347,000 | 10,748,000 | 14,023,000 |
| Noninterest income | 484,000 | 968,000 | 1,453,000 | 1,940,000 |
| Noninterest expense | 3,200,000 | 6,171,000 | 9,135,000 | 12,111,000 |
| Provision for loan losses | 30,000 | 102,000 | 132,000 | 132,000 |
| Pretax income | 962,000 | 2,069,000 | 2,978,000 | 3,797,000 |
| Income tax | 148,000 | 325,000 | 444,000 | 572,000 |
| Net income | 814,000 | 1,744,000 | 2,534,000 | 3,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,705,000 | 48,401,000 | 48,957,000 | 49,413,000 |
| Total capital | 51,457,000 | 52,216,000 | 52,803,000 | 53,249,000 |
| Risk-weighted assets | 372,607,000 | 376,083,000 | 381,148,000 | 386,876,000 |