Call reports 2015
KENSINGTON BANK — 2015
What KENSINGTON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 144,619,000 | 147,560,000 | 144,955,000 | 155,811,000 |
| Total loans | 107,707,000 | 114,022,000 | 114,874,000 | 116,190,000 |
| Allowance for loan losses | 739,000 | 695,000 | 707,000 | 807,000 |
| Securities available for sale | 19,121,000 | 18,441,000 | 18,101,000 | 17,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,830,000 | 122,217,000 | 116,765,000 | 126,555,000 |
| Interest-bearing deposits | 95,128,000 | 94,193,000 | 92,466,000 | 94,423,000 |
| Noninterest-bearing deposits | 24,702,000 | 28,024,000 | 24,299,000 | 32,132,000 |
| Equity capital | 14,940,000 | 15,451,000 | 15,947,000 | 17,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,509,000 | 2,970,000 | 4,491,000 | 5,969,000 |
| Interest expense | 150,000 | 296,000 | 450,000 | 605,000 |
| Net interest income | 1,359,000 | 2,674,000 | 4,041,000 | 5,364,000 |
| Noninterest income | 616,000 | 1,106,000 | 1,354,000 | 2,934,000 |
| Noninterest expense | 1,165,000 | 2,341,000 | 3,556,000 | 4,956,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 810,000 | 1,437,000 | 1,813,000 | 3,316,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 810,000 | 1,437,000 | 1,813,000 | 3,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,774,000 | 14,411,000 | 14,797,000 | 16,218,000 |
| Total capital | 14,513,000 | 15,106,000 | 15,504,000 | 17,025,000 |
| Risk-weighted assets | 109,546,000 | 116,213,000 | 117,363,000 | 118,814,000 |