Call reports 2019
KENSINGTON BANK — 2019
What KENSINGTON BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 282,056,000 | 274,502,000 | 273,091,000 | 277,558,000 |
| Total loans | 206,041,000 | 210,732,000 | 208,299,000 | 203,865,000 |
| Allowance for loan losses | 1,059,000 | 1,064,000 | 1,140,000 | 1,223,000 |
| Securities available for sale | 21,797,000 | 20,548,000 | 20,000,000 | 22,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,443,000 | 224,491,000 | 224,521,000 | 229,598,000 |
| Interest-bearing deposits | 175,955,000 | 183,973,000 | 178,870,000 | 181,946,000 |
| Noninterest-bearing deposits | 55,488,000 | 40,518,000 | 45,651,000 | 47,652,000 |
| Equity capital | 29,771,000 | 30,010,000 | 29,925,000 | 29,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,176,000 | 6,303,000 | 9,595,000 | 12,630,000 |
| Interest expense | 509,000 | 1,085,000 | 1,677,000 | 2,257,000 |
| Net interest income | 2,667,000 | 5,218,000 | 7,918,000 | 10,373,000 |
| Noninterest income | 444,000 | 973,000 | 1,594,000 | 2,099,000 |
| Noninterest expense | 2,541,000 | 5,279,000 | 8,667,000 | 10,973,000 |
| Provision for loan losses | 0 | 50,000 | 120,000 | 195,000 |
| Pretax income | 570,000 | 862,000 | 725,000 | 1,316,000 |
| Income tax | 144,000 | 209,000 | 154,000 | 341,000 |
| Net income | 426,000 | 653,000 | 571,000 | 975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,026,000 | 24,294,000 | 24,342,000 | 24,189,000 |
| Total capital | 25,085,000 | 25,358,000 | 25,482,000 | 25,412,000 |
| Risk-weighted assets | 225,185,000 | 234,569,000 | 230,357,000 | 223,767,000 |