Call reports 2021
KINMUNDY BANK — 2021
What KINMUNDY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 60,860,000 | 60,238,000 | 59,077,000 | 60,776,000 |
| Total loans | 34,874,000 | 34,070,000 | 34,594,000 | 35,298,000 |
| Allowance for loan losses | 400,000 | 403,000 | 414,000 | 400,000 |
| Securities available for sale | 10,447,000 | 11,762,000 | 12,640,000 | 12,086,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,247,000 | 52,371,000 | 51,092,000 | 52,948,000 |
| Interest-bearing deposits | 37,991,000 | 38,306,000 | 37,207,000 | 38,329,000 |
| Noninterest-bearing deposits | 15,256,000 | 14,065,000 | 13,885,000 | 14,619,000 |
| Equity capital | 7,554,000 | 7,772,000 | 7,876,000 | 7,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 635,000 | 1,274,000 | 1,833,000 | 2,412,000 |
| Interest expense | 54,000 | 109,000 | 164,000 | 217,000 |
| Net interest income | 581,000 | 1,165,000 | 1,669,000 | 2,195,000 |
| Noninterest income | 81,000 | 164,000 | 236,000 | 310,000 |
| Noninterest expense | 272,000 | 520,000 | 792,000 | 1,070,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 65,000 |
| Pretax income | 367,000 | 791,000 | 1,095,000 | 1,375,000 |
| Income tax | 49,000 | 163,000 | 248,000 | 325,000 |
| Net income | 318,000 | 628,000 | 847,000 | 1,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,064,000 | 6,273,000 | 6,381,000 | 6,377,000 |
| Total capital | 6,436,000 | 6,675,000 | 6,776,000 | 6,777,000 |
| Risk-weighted assets | 29,763,000 | 32,228,000 | 31,619,000 | 32,074,000 |