Call reports 2014
KENSINGTON BANK — 2014
What KENSINGTON BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 113,239,000 | 113,493,000 | 141,964,000 | 146,665,000 |
| Total loans | 80,670,000 | 88,615,000 | 99,141,000 | 105,283,000 |
| Allowance for loan losses | 953,000 | 956,000 | 658,000 | 737,000 |
| Securities available for sale | 9,717,000 | 9,911,000 | 20,628,000 | 20,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,391,000 | 97,173,000 | 117,464,000 | 122,370,000 |
| Interest-bearing deposits | 81,048,000 | 80,902,000 | 96,109,000 | 95,550,000 |
| Noninterest-bearing deposits | 16,343,000 | 16,271,000 | 21,355,000 | 26,820,000 |
| Equity capital | 13,504,000 | 13,929,000 | 14,289,000 | 14,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,105,000 | 2,296,000 | 3,636,000 | 5,025,000 |
| Interest expense | 115,000 | 222,000 | 329,000 | 477,000 |
| Net interest income | 990,000 | 2,074,000 | 3,307,000 | 4,548,000 |
| Noninterest income | 215,000 | 603,000 | 860,000 | 1,303,000 |
| Noninterest expense | 966,000 | 2,051,000 | 3,145,000 | 4,587,000 |
| Provision for loan losses | 0 | 0 | -15,000 | 60,000 |
| Pretax income | 239,000 | 626,000 | 1,037,000 | 1,204,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 239,000 | 626,000 | 1,037,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,449,000 | 12,851,000 | 13,123,000 | 13,295,000 |
| Total capital | 13,402,000 | 13,807,000 | 13,781,000 | 14,032,000 |
| Risk-weighted assets | 78,402,000 | 85,954,000 | 99,614,000 | 104,942,000 |