Call reports 2005
KINMUNDY BANK — 2005
What KINMUNDY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 29,079,000 | 27,633,000 | 26,601,000 | 29,231,000 |
| Total loans | 13,413,000 | 14,679,000 | 14,781,000 | 14,347,000 |
| Allowance for loan losses | 114,000 | 111,000 | 140,000 | 104,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,654,000 | 9,246,000 | 8,640,000 | 9,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,318,000 | 22,791,000 | 21,731,000 | 24,429,000 |
| Interest-bearing deposits | 19,428,000 | 17,455,000 | 17,348,000 | 18,956,000 |
| Noninterest-bearing deposits | 4,890,000 | 5,336,000 | 4,383,000 | 5,473,000 |
| Equity capital | 4,643,000 | 4,626,000 | 4,674,000 | 4,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 328,000 | 671,000 | 1,021,000 | 1,389,000 |
| Interest expense | 75,000 | 159,000 | 247,000 | 348,000 |
| Net interest income | 253,000 | 512,000 | 774,000 | 1,041,000 |
| Noninterest income | 38,000 | 84,000 | 153,000 | 193,000 |
| Noninterest expense | 207,000 | 419,000 | 635,000 | 888,000 |
| Provision for loan losses | 0 | 0 | 28,000 | 0 |
| Pretax income | 84,000 | 177,000 | 264,000 | 346,000 |
| Income tax | 27,000 | 57,000 | 96,000 | 110,000 |
| Net income | 57,000 | 120,000 | 168,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,643,000 | 4,626,000 | 4,674,000 | 4,662,000 |
| Total capital | 4,757,000 | 4,737,000 | 4,814,000 | 4,766,000 |
| Risk-weighted assets | 13,480,000 | 14,074,000 | 14,048,000 | 14,181,000 |
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