Call reports 2007
KENSINGTON BANK — 2007
What KENSINGTON BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 58,536,000 | 56,940,000 | 59,121,000 | 57,172,000 |
| Total loans | 36,651,000 | 36,166,000 | 35,720,000 | 36,015,000 |
| Allowance for loan losses | 1,554,000 | 1,544,000 | 1,539,000 | 1,413,000 |
| Securities available for sale | 21,168,000 | 19,930,000 | 19,625,000 | 18,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,091,000 | 53,773,000 | 54,312,000 | 52,242,000 |
| Interest-bearing deposits | 52,222,000 | 48,335,000 | 51,414,000 | 47,973,000 |
| Noninterest-bearing deposits | 2,869,000 | 5,438,000 | 2,898,000 | 4,269,000 |
| Equity capital | 3,026,000 | 2,608,000 | 4,328,000 | 4,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 920,000 | 1,816,000 | 170,000 | 1,110,000 |
| Interest expense | 561,000 | 1,124,000 | 71,000 | 580,000 |
| Net interest income | 359,000 | 692,000 | 99,000 | 530,000 |
| Noninterest income | 34,000 | 14,000 | 6,000 | 47,000 |
| Noninterest expense | 287,000 | 730,000 | 117,000 | 550,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 103,000 | -21,000 | -12,000 | 27,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 103,000 | -21,000 | -12,000 | 27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,174,000 | 3,050,000 | 4,328,000 | 4,315,000 |
| Total capital | 3,627,000 | 3,496,000 | 4,778,000 | 4,762,000 |
| Risk-weighted assets | 35,128,000 | 34,548,000 | 34,919,000 | 34,801,000 |