Call reports 2003
KENSINGTON BANK — 2003
What KENSINGTON BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 53,824,000 | 56,589,000 | 59,350,000 | 62,366,000 |
| Total loans | 29,517,000 | 34,094,000 | 34,872,000 | 35,826,000 |
| Allowance for loan losses | 242,000 | 345,000 | 347,000 | 299,000 |
| Securities available for sale | 15,227,000 | 14,209,000 | 14,763,000 | 16,380,000 |
| Securities held to maturity | 6,134,000 | 6,468,000 | 6,845,000 | 7,410,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,177,000 | 50,627,000 | 53,653,000 | 56,651,000 |
| Interest-bearing deposits | 45,235,000 | 48,177,000 | 50,499,000 | 52,888,000 |
| Noninterest-bearing deposits | 2,942,000 | 2,450,000 | 3,154,000 | 3,763,000 |
| Equity capital | 5,247,000 | 5,300,000 | 5,284,000 | 5,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 823,000 | 1,657,000 | 2,504,000 | 3,371,000 |
| Interest expense | 358,000 | 722,000 | 1,087,000 | 1,459,000 |
| Net interest income | 465,000 | 935,000 | 1,417,000 | 1,912,000 |
| Noninterest income | 40,000 | 83,000 | 121,000 | 162,000 |
| Noninterest expense | 214,000 | 429,000 | 661,000 | 962,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 140,000 |
| Pretax income | 291,000 | 489,000 | 779,000 | 974,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 291,000 | 489,000 | 779,000 | 974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,875,000 | 4,873,000 | 5,063,000 | 5,160,000 |
| Total capital | 5,117,000 | 5,218,000 | 5,410,000 | 5,459,000 |
| Risk-weighted assets | 31,719,000 | 35,809,000 | 37,185,000 | 38,181,000 |