Call reports 2019
KINMUNDY BANK — 2019
What KINMUNDY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 47,613,000 | 46,437,000 | 48,574,000 | 48,699,000 |
| Total loans | 35,535,000 | 35,843,000 | 36,336,000 | 36,149,000 |
| Allowance for loan losses | 401,000 | 402,000 | 408,000 | 400,000 |
| Securities available for sale | 6,934,000 | 6,709,000 | 6,764,000 | 6,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,177,000 | 39,871,000 | 41,795,000 | 41,933,000 |
| Interest-bearing deposits | 29,211,000 | 28,775,000 | 31,019,000 | 31,087,000 |
| Noninterest-bearing deposits | 11,966,000 | 11,096,000 | 10,776,000 | 10,846,000 |
| Equity capital | 6,280,000 | 6,430,000 | 6,645,000 | 6,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 603,000 | 1,210,000 | 1,825,000 | 2,464,000 |
| Interest expense | 60,000 | 120,000 | 179,000 | 240,000 |
| Net interest income | 543,000 | 1,090,000 | 1,646,000 | 2,224,000 |
| Noninterest income | 69,000 | 142,000 | 220,000 | 290,000 |
| Noninterest expense | 247,000 | 498,000 | 770,000 | 1,045,000 |
| Provision for loan losses | 42,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 323,000 | 638,000 | 1,012,000 | 1,383,000 |
| Income tax | 105,000 | 185,000 | 295,000 | 395,000 |
| Net income | 218,000 | 453,000 | 717,000 | 988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,776,000 | 4,905,000 | 5,111,000 | 5,177,000 |
| Total capital | 5,162,000 | 5,296,000 | 5,511,000 | 5,574,000 |
| Risk-weighted assets | 30,882,000 | 31,201,000 | 31,994,000 | 31,823,000 |