Call reports 2007
KINMUNDY BANK — 2007
What KINMUNDY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 28,534,000 | 29,100,000 | 28,323,000 | 29,270,000 |
| Total loans | 15,849,000 | 16,752,000 | 16,806,000 | 17,110,000 |
| Allowance for loan losses | 100,000 | 98,000 | 100,000 | 101,000 |
| Securities available for sale | 0 | 0 | 200,000 | 207,000 |
| Securities held to maturity | 7,579,000 | 8,043,000 | 7,370,000 | 6,966,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,595,000 | 24,063,000 | 23,161,000 | 24,219,000 |
| Interest-bearing deposits | 18,168,000 | 18,718,000 | 18,044,000 | 18,451,000 |
| Noninterest-bearing deposits | 5,427,000 | 5,345,000 | 5,118,000 | 5,768,000 |
| Equity capital | 4,768,000 | 4,865,000 | 4,876,000 | 4,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 430,000 | 874,000 | 1,333,000 | 1,791,000 |
| Interest expense | 116,000 | 262,000 | 399,000 | 520,000 |
| Net interest income | 314,000 | 612,000 | 934,000 | 1,271,000 |
| Noninterest income | 24,000 | 112,000 | 155,000 | 193,000 |
| Noninterest expense | 287,000 | 552,000 | 772,000 | 1,048,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 51,000 | 172,000 | 317,000 | 416,000 |
| Income tax | 26,000 | 50,000 | 104,000 | 132,000 |
| Net income | 25,000 | 122,000 | 213,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,768,000 | 4,865,000 | 4,876,000 | 4,867,000 |
| Total capital | 4,868,000 | 4,964,000 | 4,976,000 | 4,968,000 |
| Risk-weighted assets | 14,677,000 | 15,555,000 | 15,529,000 | 16,038,000 |
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