Call reports 2009
KENSINGTON BANK — 2009
What KENSINGTON BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 54,930,000 | 54,436,000 | 56,205,000 | 56,612,000 |
| Total loans | 35,925,000 | 36,335,000 | 39,047,000 | 37,833,000 |
| Allowance for loan losses | 1,132,000 | 1,271,000 | 1,133,000 | 840,000 |
| Securities available for sale | 13,283,000 | 12,723,000 | 12,023,000 | 11,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,797,000 | 47,366,000 | 48,904,000 | 49,976,000 |
| Interest-bearing deposits | 44,141,000 | 44,392,000 | 45,712,000 | 43,797,000 |
| Noninterest-bearing deposits | 3,655,000 | 2,974,000 | 3,192,000 | 6,179,000 |
| Equity capital | 5,114,000 | 4,874,000 | 5,080,000 | 4,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 784,000 | 1,525,000 | 2,244,000 | 2,986,000 |
| Interest expense | 295,000 | 591,000 | 884,000 | 1,154,000 |
| Net interest income | 489,000 | 934,000 | 1,360,000 | 1,832,000 |
| Noninterest income | 31,000 | 54,000 | 100,000 | 129,000 |
| Noninterest expense | 397,000 | 877,000 | 1,249,000 | 1,708,000 |
| Provision for loan losses | -150,000 | 20,000 | 20,000 | 77,000 |
| Pretax income | 274,000 | 90,000 | 190,000 | 175,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 274,000 | 90,000 | 190,000 | 175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,897,000 | 4,713,000 | 4,813,000 | 4,798,000 |
| Total capital | 5,383,000 | 5,195,000 | 5,329,000 | 5,313,000 |
| Risk-weighted assets | 38,202,000 | 37,753,000 | 40,667,000 | 40,888,000 |