Call reports 2009
KINMUNDY BANK — 2009
What KINMUNDY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 31,008,000 | 30,562,000 | 31,565,000 | 33,721,000 |
| Total loans | 20,756,000 | 21,647,000 | 22,729,000 | 23,212,000 |
| Allowance for loan losses | 108,000 | 109,000 | 120,000 | 151,000 |
| Securities available for sale | 5,940,000 | 5,131,000 | 5,204,000 | 4,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,402,000 | 26,824,000 | 27,275,000 | 29,838,000 |
| Interest-bearing deposits | 21,184,000 | 21,237,000 | 22,237,000 | 22,024,000 |
| Noninterest-bearing deposits | 6,218,000 | 5,587,000 | 5,038,000 | 7,814,000 |
| Equity capital | 3,530,000 | 3,603,000 | 3,701,000 | 3,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 444,000 | 917,000 | 1,400,000 | 1,894,000 |
| Interest expense | 90,000 | 168,000 | 244,000 | 321,000 |
| Net interest income | 354,000 | 749,000 | 1,156,000 | 1,573,000 |
| Noninterest income | 54,000 | 119,000 | 173,000 | 263,000 |
| Noninterest expense | 229,000 | 460,000 | 708,000 | 947,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 60,000 |
| Pretax income | 56,000 | 308,000 | 491,000 | 712,000 |
| Income tax | 7,000 | 86,000 | 140,000 | 199,000 |
| Net income | 49,000 | 222,000 | 351,000 | 513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,895,000 | 2,034,000 | 2,114,000 | 2,276,000 |
| Total capital | 2,003,000 | 2,143,000 | 2,234,000 | 2,427,000 |
| Risk-weighted assets | 17,958,000 | 18,490,000 | 19,484,000 | 20,459,000 |
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