Call reports 2004
KINMUNDY BANK — 2004
What KINMUNDY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 27,380,000 | 26,767,000 | 26,173,000 | 28,660,000 |
| Total loans | 12,211,000 | 13,192,000 | 14,006,000 | 13,729,000 |
| Allowance for loan losses | 119,000 | 119,000 | 120,000 | 110,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,609,000 | 10,306,000 | 9,848,000 | 10,056,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,718,000 | 22,041,000 | 21,430,000 | 23,964,000 |
| Interest-bearing deposits | 18,742,000 | 18,181,000 | 17,675,000 | 18,985,000 |
| Noninterest-bearing deposits | 3,976,000 | 3,860,000 | 3,755,000 | 4,979,000 |
| Equity capital | 4,556,000 | 4,543,000 | 4,618,000 | 4,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 309,000 | 615,000 | 933,000 | 1,260,000 |
| Interest expense | 68,000 | 131,000 | 195,000 | 264,000 |
| Net interest income | 241,000 | 484,000 | 738,000 | 996,000 |
| Noninterest income | 34,000 | 73,000 | 114,000 | 158,000 |
| Noninterest expense | 213,000 | 396,000 | 578,000 | 823,000 |
| Provision for loan losses | 0 | 0 | 0 | -8,000 |
| Pretax income | 62,000 | 161,000 | 274,000 | 339,000 |
| Income tax | 18,000 | 50,000 | 88,000 | 105,000 |
| Net income | 44,000 | 111,000 | 186,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,556,000 | 4,543,000 | 4,618,000 | 4,586,000 |
| Total capital | 4,675,000 | 4,662,000 | 4,738,000 | 4,696,000 |
| Risk-weighted assets | 12,551,000 | 13,208,000 | 13,734,000 | 13,706,000 |
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