Call reports 2012
KINMUNDY BANK — 2012
What KINMUNDY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 38,474,000 | 38,562,000 | 39,340,000 | 38,960,000 |
| Total loans | 24,741,000 | 23,921,000 | 24,734,000 | 24,865,000 |
| Allowance for loan losses | 190,000 | 187,000 | 189,000 | 184,000 |
| Securities available for sale | 6,579,000 | 8,226,000 | 8,501,000 | 8,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,306,000 | 33,396,000 | 33,948,000 | 33,710,000 |
| Interest-bearing deposits | 24,871,000 | 25,091,000 | 26,098,000 | 25,191,000 |
| Noninterest-bearing deposits | 8,435,000 | 8,305,000 | 7,850,000 | 8,519,000 |
| Equity capital | 4,902,000 | 4,992,000 | 5,158,000 | 5,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 993,000 | 1,497,000 | 2,000,000 |
| Interest expense | 55,000 | 105,000 | 150,000 | 194,000 |
| Net interest income | 451,000 | 888,000 | 1,347,000 | 1,806,000 |
| Noninterest income | 74,000 | 156,000 | 232,000 | 305,000 |
| Noninterest expense | 232,000 | 461,000 | 697,000 | 944,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 315,000 | 605,000 | 904,000 | 1,189,000 |
| Income tax | 114,000 | 204,000 | 301,000 | 379,000 |
| Net income | 201,000 | 401,000 | 603,000 | 810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,279,000 | 3,403,000 | 3,528,000 | 3,530,000 |
| Total capital | 3,469,000 | 3,590,000 | 3,717,000 | 3,714,000 |
| Risk-weighted assets | 21,208,000 | 20,904,000 | 21,759,000 | 21,673,000 |