Call reports 2015
KINMUNDY BANK — 2015
What KINMUNDY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 41,782,000 | 41,268,000 | 42,218,000 | 43,119,000 |
| Total loans | 29,577,000 | 29,969,000 | 31,208,000 | 32,543,000 |
| Allowance for loan losses | 208,000 | 212,000 | 208,000 | 228,000 |
| Securities available for sale | 7,873,000 | 7,629,000 | 7,179,000 | 7,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,815,000 | 34,882,000 | 36,445,000 | 36,572,000 |
| Interest-bearing deposits | 25,828,000 | 26,286,000 | 27,496,000 | 27,391,000 |
| Noninterest-bearing deposits | 9,987,000 | 8,596,000 | 8,949,000 | 9,181,000 |
| Equity capital | 5,570,000 | 5,510,000 | 5,558,000 | 5,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 507,000 | 1,019,000 | 1,547,000 | 2,089,000 |
| Interest expense | 33,000 | 69,000 | 103,000 | 139,000 |
| Net interest income | 474,000 | 950,000 | 1,444,000 | 1,950,000 |
| Noninterest income | 81,000 | 164,000 | 245,000 | 336,000 |
| Noninterest expense | 258,000 | 513,000 | 753,000 | 1,009,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 293,000 | 598,000 | 931,000 | 1,252,000 |
| Income tax | 98,000 | 233,000 | 367,000 | 478,000 |
| Net income | 195,000 | 365,000 | 564,000 | 774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,019,000 | 4,007,000 | 4,030,000 | 4,071,000 |
| Total capital | 4,227,000 | 4,219,000 | 4,238,000 | 4,299,000 |
| Risk-weighted assets | 26,113,000 | 26,404,000 | 27,652,000 | 28,804,000 |