Call reports 2020
KENSINGTON BANK — 2020
What KENSINGTON BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 282,943,000 | 302,777,000 | 307,322,000 | 310,288,000 |
| Total loans | 202,600,000 | 225,880,000 | 231,673,000 | 226,724,000 |
| Allowance for loan losses | 1,302,000 | 1,375,000 | 1,452,000 | 1,535,000 |
| Securities available for sale | 21,361,000 | 23,675,000 | 23,843,000 | 32,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,268,000 | 254,278,000 | 260,385,000 | 263,849,000 |
| Interest-bearing deposits | 186,423,000 | 197,218,000 | 199,916,000 | 200,293,000 |
| Noninterest-bearing deposits | 47,845,000 | 57,060,000 | 60,469,000 | 63,556,000 |
| Equity capital | 30,078,000 | 29,826,000 | 30,141,000 | 30,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,975,000 | 6,008,000 | 8,953,000 | 12,022,000 |
| Interest expense | 579,000 | 1,137,000 | 1,633,000 | 2,060,000 |
| Net interest income | 2,396,000 | 4,871,000 | 7,320,000 | 9,962,000 |
| Noninterest income | 494,000 | 1,044,000 | 1,679,000 | 2,315,000 |
| Noninterest expense | 2,384,000 | 4,853,000 | 7,448,000 | 9,945,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 635,000 | 1,121,000 | 1,534,000 | 2,246,000 |
| Income tax | 197,000 | 352,000 | 485,000 | 702,000 |
| Net income | 438,000 | 769,000 | 1,049,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,768,000 | 24,572,000 | 24,995,000 | 25,099,000 |
| Total capital | 26,070,000 | 25,947,000 | 26,447,000 | 26,634,000 |
| Risk-weighted assets | 226,803,000 | 231,089,000 | 237,362,000 | 239,770,000 |