Call reports 2013
KINMUNDY BANK — 2013
What KINMUNDY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 41,805,000 | 39,029,000 | 39,858,000 | 40,180,000 |
| Total loans | 24,106,000 | 24,991,000 | 25,914,000 | 26,704,000 |
| Allowance for loan losses | 184,000 | 180,000 | 192,000 | 180,000 |
| Securities available for sale | 9,004,000 | 9,730,000 | 9,694,000 | 9,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,492,000 | 34,092,000 | 33,734,000 | 33,644,000 |
| Interest-bearing deposits | 27,194,000 | 25,692,000 | 25,757,000 | 25,091,000 |
| Noninterest-bearing deposits | 9,298,000 | 8,400,000 | 7,977,000 | 8,553,000 |
| Equity capital | 5,208,000 | 4,916,000 | 5,091,000 | 5,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 486,000 | 970,000 | 1,478,000 | 1,988,000 |
| Interest expense | 41,000 | 81,000 | 119,000 | 157,000 |
| Net interest income | 445,000 | 889,000 | 1,359,000 | 1,831,000 |
| Noninterest income | 65,000 | 172,000 | 249,000 | 334,000 |
| Noninterest expense | 278,000 | 1,061,000 | 1,311,000 | 1,576,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 232,000 | 0 | 296,000 | 588,000 |
| Income tax | 78,000 | -67,000 | 28,000 | 96,000 |
| Net income | 154,000 | 67,000 | 268,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,614,000 | 3,505,000 | 3,652,000 | 3,840,000 |
| Total capital | 3,798,000 | 3,685,000 | 3,844,000 | 4,021,000 |
| Risk-weighted assets | 21,921,000 | 22,307,000 | 22,866,000 | 23,606,000 |