Call reports 2006
KENSINGTON BANK — 2006
What KENSINGTON BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 70,575,000 | 66,348,000 | 62,951,000 | 61,315,000 |
| Total loans | 42,993,000 | 42,906,000 | 40,915,000 | 38,407,000 |
| Allowance for loan losses | 1,397,000 | 1,849,000 | 2,160,000 | 1,921,000 |
| Securities available for sale | 15,220,000 | 23,092,000 | 22,311,000 | 22,054,000 |
| Securities held to maturity | 10,714,000 | 150,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,802,000 | 63,573,000 | 58,865,000 | 57,947,000 |
| Interest-bearing deposits | 61,720,000 | 59,877,000 | 53,070,000 | 51,452,000 |
| Noninterest-bearing deposits | 6,082,000 | 3,696,000 | 5,796,000 | 6,495,000 |
| Equity capital | 2,358,000 | 2,343,000 | 2,603,000 | 2,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,071,000 | 2,066,000 | 3,054,000 | 3,999,000 |
| Interest expense | 595,000 | 1,193,000 | 1,786,000 | 2,382,000 |
| Net interest income | 476,000 | 873,000 | 1,268,000 | 1,617,000 |
| Noninterest income | 41,000 | 101,000 | 146,000 | 188,000 |
| Noninterest expense | 287,000 | 583,000 | 1,040,000 | 1,493,000 |
| Provision for loan losses | 0 | 611,000 | 911,000 | 911,000 |
| Pretax income | 230,000 | -278,000 | -605,000 | -667,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 230,000 | -278,000 | -605,000 | -667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,718,000 | 3,110,000 | 2,783,000 | 3,071,000 |
| Total capital | 4,115,000 | 4,959,000 | 3,298,000 | 3,551,000 |
| Risk-weighted assets | 43,150,000 | 42,898,000 | 38,782,000 | 36,798,000 |