Call reports 2004
KENSINGTON BANK — 2004
What KENSINGTON BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 63,424,000 | 65,573,000 | 67,957,000 | 68,661,000 |
| Total loans | 36,020,000 | 37,397,000 | 40,255,000 | 40,419,000 |
| Allowance for loan losses | 301,000 | 377,000 | 282,000 | 299,000 |
| Securities available for sale | 16,315,000 | 16,913,000 | 16,574,000 | 17,366,000 |
| Securities held to maturity | 7,896,000 | 8,207,000 | 8,557,000 | 9,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,263,000 | 59,889,000 | 61,467,000 | 62,397,000 |
| Interest-bearing deposits | 54,655,000 | 57,084,000 | 58,317,000 | 58,974,000 |
| Noninterest-bearing deposits | 2,608,000 | 2,805,000 | 3,150,000 | 3,423,000 |
| Equity capital | 5,715,000 | 5,288,000 | 5,757,000 | 5,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 881,000 | 1,792,000 | 2,735,000 | 3,696,000 |
| Interest expense | 373,000 | 754,000 | 1,148,000 | 1,557,000 |
| Net interest income | 508,000 | 1,038,000 | 1,587,000 | 2,139,000 |
| Noninterest income | 46,000 | 99,000 | 150,000 | 192,000 |
| Noninterest expense | 223,000 | 466,000 | 720,000 | 1,013,000 |
| Provision for loan losses | 0 | 95,000 | 155,000 | 170,000 |
| Pretax income | 331,000 | 580,000 | 871,000 | 1,157,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 331,000 | 580,000 | 871,000 | 1,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,391,000 | 5,440,000 | 5,631,000 | 5,817,000 |
| Total capital | 5,692,000 | 5,817,000 | 5,913,000 | 6,116,000 |
| Risk-weighted assets | 37,920,000 | 39,041,000 | 41,663,000 | 42,051,000 |