Call reports 2016
KINMUNDY BANK — 2016
What KINMUNDY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 43,346,000 | 44,066,000 | 45,443,000 | 45,152,000 |
| Total loans | 31,950,000 | 33,611,000 | 34,503,000 | 34,483,000 |
| Allowance for loan losses | 213,000 | 224,000 | 221,000 | 224,000 |
| Securities available for sale | 7,169,000 | 7,030,000 | 6,998,000 | 6,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,503,000 | 37,359,000 | 39,531,000 | 38,048,000 |
| Interest-bearing deposits | 27,633,000 | 27,353,000 | 30,444,000 | 28,556,000 |
| Noninterest-bearing deposits | 9,870,000 | 10,006,000 | 9,087,000 | 9,492,000 |
| Equity capital | 5,664,000 | 5,744,000 | 5,740,000 | 5,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 514,000 | 1,058,000 | 1,616,000 | 2,187,000 |
| Interest expense | 36,000 | 71,000 | 109,000 | 148,000 |
| Net interest income | 478,000 | 987,000 | 1,507,000 | 2,039,000 |
| Noninterest income | 91,000 | 191,000 | 275,000 | 344,000 |
| Noninterest expense | 251,000 | 509,000 | 796,000 | 1,081,000 |
| Provision for loan losses | 90,000 | 100,000 | 125,000 | 140,000 |
| Pretax income | 228,000 | 566,000 | 858,000 | 1,154,000 |
| Income tax | 83,000 | 194,000 | 299,000 | 411,000 |
| Net income | 145,000 | 372,000 | 559,000 | 743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,111,000 | 4,160,000 | 4,171,000 | 4,224,000 |
| Total capital | 4,324,000 | 4,384,000 | 4,392,000 | 4,448,000 |
| Risk-weighted assets | 28,365,000 | 29,616,000 | 30,324,000 | 30,516,000 |