Call reports 2008
KENSINGTON BANK — 2008
What KENSINGTON BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,374,000 | 55,338,000 | 52,851,000 | 54,777,000 |
| Total loans | 36,283,000 | 36,069,000 | 37,104,000 | 37,571,000 |
| Allowance for loan losses | 1,483,000 | 1,359,000 | 1,358,000 | 1,321,000 |
| Securities available for sale | 15,108,000 | 15,291,000 | 14,894,000 | 14,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,290,000 | 50,360,000 | 47,624,000 | 47,830,000 |
| Interest-bearing deposits | 46,717,000 | 46,922,000 | 42,224,000 | 44,437,000 |
| Noninterest-bearing deposits | 3,573,000 | 3,438,000 | 5,400,000 | 3,393,000 |
| Equity capital | 4,708,000 | 4,528,000 | 4,724,000 | 4,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 898,000 | 1,729,000 | 2,556,000 | 3,370,000 |
| Interest expense | 434,000 | 809,000 | 1,145,000 | 1,458,000 |
| Net interest income | 464,000 | 920,000 | 1,411,000 | 1,912,000 |
| Noninterest income | 39,000 | 69,000 | 102,000 | 99,000 |
| Noninterest expense | 429,000 | 764,000 | 1,183,000 | 1,706,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 77,000 | 228,000 | 333,000 | 308,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 77,000 | 228,000 | 333,000 | 308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,392,000 | 4,543,000 | 4,648,000 | 4,623,000 |
| Total capital | 4,860,000 | 5,021,000 | 5,138,000 | 5,126,000 |
| Risk-weighted assets | 36,388,000 | 37,338,000 | 38,368,000 | 39,386,000 |