Call reports 2025
KINGSTON NATIONAL BANK — 2025
What KINGSTON NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 559,311,000 | 568,370,000 | 577,331,000 | 578,822,000 |
| Total loans | 393,829,000 | 403,322,000 | 410,111,000 | 419,859,000 |
| Allowance for loan losses | 3,960,000 | 3,893,000 | 3,927,000 | 4,073,000 |
| Securities available for sale | 114,105,000 | 114,489,000 | 114,337,000 | 108,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 514,964,000 | 522,906,000 | 529,872,000 | 529,835,000 |
| Interest-bearing deposits | 420,733,000 | 426,462,000 | 429,287,000 | 421,470,000 |
| Noninterest-bearing deposits | 94,231,000 | 96,444,000 | 100,585,000 | 108,365,000 |
| Equity capital | 38,532,000 | 39,529,000 | 41,959,000 | 43,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,589,000 | 13,579,000 | 20,579,000 | 27,600,000 |
| Interest expense | 2,947,000 | 5,447,000 | 8,045,000 | 10,543,000 |
| Net interest income | 3,642,000 | 8,132,000 | 12,534,000 | 17,057,000 |
| Noninterest income | 492,000 | 1,003,000 | 1,539,000 | 2,038,000 |
| Noninterest expense | 3,306,000 | 6,741,000 | 10,188,000 | 13,683,000 |
| Provision for loan losses | 94,000 | 22,000 | 54,000 | 203,000 |
| Pretax income | 731,000 | 2,278,000 | 3,721,000 | 5,107,000 |
| Income tax | 101,000 | 366,000 | 609,000 | 841,000 |
| Net income | 630,000 | 1,912,000 | 3,112,000 | 4,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,012,000 | 51,101,000 | 51,906,000 | 52,666,000 |
| Total capital | 53,972,000 | 55,085,000 | 55,923,000 | 56,826,000 |
| Risk-weighted assets | 394,459,000 | 408,079,000 | 415,003,000 | 419,004,000 |