Call reports 2005
KENSINGTON BANK — 2005
What KENSINGTON BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 68,855,000 | 71,645,000 | 76,934,000 | 72,744,000 |
| Total loans | 40,368,000 | 43,970,000 | 48,733,000 | 45,855,000 |
| Allowance for loan losses | 295,000 | 377,000 | 405,000 | 1,308,000 |
| Securities available for sale | 17,082,000 | 16,127,000 | 15,963,000 | 15,434,000 |
| Securities held to maturity | 9,438,000 | 9,978,000 | 9,985,000 | 10,524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,650,000 | 64,141,000 | 68,445,000 | 69,894,000 |
| Interest-bearing deposits | 59,428,000 | 60,916,000 | 65,181,000 | 65,977,000 |
| Noninterest-bearing deposits | 3,222,000 | 3,225,000 | 3,264,000 | 3,917,000 |
| Equity capital | 5,799,000 | 6,145,000 | 6,211,000 | 2,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 962,000 | 1,966,000 | 3,031,000 | 4,079,000 |
| Interest expense | 416,000 | 862,000 | 1,368,000 | 1,935,000 |
| Net interest income | 546,000 | 1,104,000 | 1,663,000 | 2,144,000 |
| Noninterest income | 45,000 | 96,000 | 145,000 | 186,000 |
| Noninterest expense | 258,000 | 502,000 | 764,000 | 959,000 |
| Provision for loan losses | 0 | 80,000 | 115,000 | 4,180,000 |
| Pretax income | 333,000 | 610,000 | 921,000 | -2,829,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 333,000 | 610,000 | 921,000 | -2,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,050,000 | 6,127,000 | 6,338,000 | 2,488,000 |
| Total capital | 6,345,000 | 6,504,000 | 6,743,000 | 3,068,000 |
| Risk-weighted assets | 42,095,000 | 44,796,000 | 49,852,000 | 45,689,000 |