Call reports 2011
KINMUNDY BANK — 2011
What KINMUNDY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 37,512,000 | 36,110,000 | 37,053,000 | 36,735,000 |
| Total loans | 24,914,000 | 26,401,000 | 27,473,000 | 25,886,000 |
| Allowance for loan losses | 166,000 | 180,000 | 191,000 | 189,000 |
| Securities available for sale | 5,551,000 | 6,080,000 | 5,797,000 | 6,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,090,000 | 30,625,000 | 32,143,000 | 31,415,000 |
| Interest-bearing deposits | 24,630,000 | 23,630,000 | 25,333,000 | 23,957,000 |
| Noninterest-bearing deposits | 8,461,000 | 6,995,000 | 6,810,000 | 7,458,000 |
| Equity capital | 4,284,000 | 4,469,000 | 4,651,000 | 4,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 491,000 | 1,006,000 | 1,551,000 | 2,079,000 |
| Interest expense | 57,000 | 113,000 | 170,000 | 227,000 |
| Net interest income | 434,000 | 893,000 | 1,381,000 | 1,852,000 |
| Noninterest income | 67,000 | 146,000 | 211,000 | 285,000 |
| Noninterest expense | 234,000 | 457,000 | 682,000 | 933,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 251,000 | 551,000 | 864,000 | 1,203,000 |
| Income tax | 83,000 | 185,000 | 294,000 | 409,000 |
| Net income | 168,000 | 366,000 | 570,000 | 794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,803,000 | 2,931,000 | 3,059,000 | 3,149,000 |
| Total capital | 2,969,000 | 3,111,000 | 3,250,000 | 3,338,000 |
| Risk-weighted assets | 20,333,000 | 21,491,000 | 22,275,000 | 22,006,000 |