Call reports 2020
KINMUNDY BANK — 2020
What KINMUNDY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 49,851,000 | 51,875,000 | 53,123,000 | 54,833,000 |
| Total loans | 35,216,000 | 36,053,000 | 36,160,000 | 34,648,000 |
| Allowance for loan losses | 400,000 | 402,000 | 396,000 | 390,000 |
| Securities available for sale | 7,664,000 | 7,720,000 | 8,196,000 | 8,443,000 |
| Securities held to maturity | 0 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,940,000 | 44,611,000 | 45,701,000 | 47,477,000 |
| Interest-bearing deposits | 31,410,000 | 31,938,000 | 33,383,000 | 34,390,000 |
| Noninterest-bearing deposits | 11,530,000 | 12,673,000 | 12,318,000 | 13,087,000 |
| Equity capital | 6,870,000 | 7,163,000 | 7,291,000 | 7,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 591,000 | 1,223,000 | 1,817,000 | 2,404,000 |
| Interest expense | 60,000 | 115,000 | 171,000 | 224,000 |
| Net interest income | 531,000 | 1,108,000 | 1,646,000 | 2,180,000 |
| Noninterest income | 75,000 | 148,000 | 219,000 | 270,000 |
| Noninterest expense | 257,000 | 520,000 | 881,000 | 1,171,000 |
| Provision for loan losses | 1,000 | 11,000 | 39,000 | 51,000 |
| Pretax income | 356,000 | 734,000 | 960,000 | 1,242,000 |
| Income tax | 99,000 | 205,000 | 191,000 | 242,000 |
| Net income | 257,000 | 529,000 | 769,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,428,000 | 5,594,000 | 5,728,000 | 5,752,000 |
| Total capital | 5,818,000 | 5,984,000 | 6,124,000 | 6,142,000 |
| Risk-weighted assets | 31,090,000 | 31,150,000 | 31,929,000 | 31,764,000 |