Call reports 2016
KENSINGTON BANK — 2016
What KENSINGTON BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 151,791,000 | 145,760,000 | 151,844,000 | 157,689,000 |
| Total loans | 112,801,000 | 118,077,000 | 120,462,000 | 116,029,000 |
| Allowance for loan losses | 811,000 | 734,000 | 739,000 | 692,000 |
| Securities available for sale | 16,662,000 | 16,368,000 | 15,176,000 | 14,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,766,000 | 116,838,000 | 117,939,000 | 123,868,000 |
| Interest-bearing deposits | 96,699,000 | 93,245,000 | 94,078,000 | 93,994,000 |
| Noninterest-bearing deposits | 27,067,000 | 23,593,000 | 23,861,000 | 29,874,000 |
| Equity capital | 15,854,000 | 16,222,000 | 16,515,000 | 16,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,521,000 | 3,024,000 | 4,585,000 | 6,157,000 |
| Interest expense | 153,000 | 303,000 | 456,000 | 618,000 |
| Net interest income | 1,368,000 | 2,721,000 | 4,129,000 | 5,539,000 |
| Noninterest income | 232,000 | 507,000 | 873,000 | 1,248,000 |
| Noninterest expense | 1,338,000 | 2,670,000 | 3,968,000 | 5,323,000 |
| Provision for loan losses | 0 | -60,000 | -60,000 | -60,000 |
| Pretax income | 262,000 | 618,000 | 1,094,000 | 1,524,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 262,000 | 618,000 | 1,094,000 | 1,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,643,000 | 14,972,000 | 15,281,000 | 15,567,000 |
| Total capital | 15,454,000 | 15,706,000 | 16,020,000 | 16,259,000 |
| Risk-weighted assets | 121,093,000 | 126,002,000 | 128,723,000 | 126,317,000 |