Call reports 2003
KINMUNDY BANK — 2003
What KINMUNDY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 27,620,000 | 27,276,000 | 27,477,000 | 26,791,000 |
| Total loans | 12,588,000 | 12,178,000 | 12,759,000 | 12,760,000 |
| Allowance for loan losses | 120,000 | 118,000 | 119,000 | 118,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,371,000 | 10,368,000 | 10,460,000 | 10,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,997,000 | 22,582,000 | 22,769,000 | 22,162,000 |
| Interest-bearing deposits | 19,142,000 | 18,970,000 | 18,956,000 | 18,321,000 |
| Noninterest-bearing deposits | 3,855,000 | 3,612,000 | 3,813,000 | 3,841,000 |
| Equity capital | 4,489,000 | 4,480,000 | 4,541,000 | 4,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 357,000 | 700,000 | 1,031,000 | 1,354,000 |
| Interest expense | 96,000 | 183,000 | 255,000 | 326,000 |
| Net interest income | 261,000 | 517,000 | 776,000 | 1,028,000 |
| Noninterest income | 29,000 | 76,000 | 108,000 | 145,000 |
| Noninterest expense | 208,000 | 407,000 | 610,000 | 821,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 186,000 | 274,000 | 352,000 |
| Income tax | 25,000 | 58,000 | 85,000 | 112,000 |
| Net income | 57,000 | 128,000 | 189,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,489,000 | 4,480,000 | 4,541,000 | 4,512,000 |
| Total capital | 4,609,000 | 4,598,000 | 4,660,000 | 4,630,000 |
| Risk-weighted assets | 13,071,000 | 12,818,000 | 13,186,000 | 12,990,000 |
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