Call reports 2014
KINMUNDY BANK — 2014
What KINMUNDY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 41,233,000 | 41,037,000 | 42,549,000 | 41,201,000 |
| Total loans | 26,514,000 | 27,595,000 | 29,402,000 | 29,359,000 |
| Allowance for loan losses | 182,000 | 179,000 | 185,000 | 209,000 |
| Securities available for sale | 9,483,000 | 9,422,000 | 8,681,000 | 8,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,761,000 | 34,244,000 | 36,739,000 | 34,567,000 |
| Interest-bearing deposits | 26,588,000 | 25,570,000 | 29,121,000 | 26,047,000 |
| Noninterest-bearing deposits | 9,173,000 | 8,674,000 | 7,618,000 | 8,520,000 |
| Equity capital | 5,436,000 | 5,530,000 | 5,539,000 | 5,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 500,000 | 1,007,000 | 1,530,000 | 2,060,000 |
| Interest expense | 40,000 | 74,000 | 111,000 | 148,000 |
| Net interest income | 460,000 | 933,000 | 1,419,000 | 1,912,000 |
| Noninterest income | 74,000 | 161,000 | 264,000 | 341,000 |
| Noninterest expense | 238,000 | 495,000 | 735,000 | 993,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 40,000 |
| Pretax income | 296,000 | 598,000 | 939,000 | 1,218,000 |
| Income tax | 97,000 | 211,000 | 352,000 | 466,000 |
| Net income | 199,000 | 387,000 | 587,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,971,000 | 3,982,000 | 4,005,000 | 4,001,000 |
| Total capital | 4,153,000 | 4,161,000 | 4,190,000 | 4,210,000 |
| Risk-weighted assets | 23,629,000 | 24,392,000 | 25,850,000 | 25,659,000 |