Call reports 2023
KINMUNDY BANK — 2023
What KINMUNDY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 64,314,000 | 63,691,000 | 67,202,000 | 66,284,000 |
| Total loans | 38,511,000 | 40,917,000 | 43,031,000 | 44,458,000 |
| Allowance for loan losses | 401,000 | 409,000 | 394,000 | 400,000 |
| Securities available for sale | 21,142,000 | 17,864,000 | 17,780,000 | 17,664,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,710,000 | 54,844,000 | 59,093,000 | 56,922,000 |
| Interest-bearing deposits | 40,000,000 | 40,011,000 | 43,719,000 | 42,471,000 |
| Noninterest-bearing deposits | 15,710,000 | 14,833,000 | 15,374,000 | 14,451,000 |
| Equity capital | 7,759,000 | 7,820,000 | 7,902,000 | 8,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 712,000 | 1,457,000 | 2,277,000 | 3,121,000 |
| Interest expense | 76,000 | 177,000 | 311,000 | 487,000 |
| Net interest income | 636,000 | 1,280,000 | 1,966,000 | 2,634,000 |
| Noninterest income | 80,000 | 205,000 | 289,000 | 358,000 |
| Noninterest expense | 243,000 | 541,000 | 825,000 | 1,175,000 |
| Provision for loan losses | 16,000 | 61,000 | 62,000 | 114,000 |
| Pretax income | 457,000 | 882,000 | 1,368,000 | 1,703,000 |
| Income tax | 109,000 | 241,000 | 357,000 | 433,000 |
| Net income | 348,000 | 641,000 | 1,011,000 | 1,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,366,000 | 7,554,000 | 7,817,000 | 7,661,000 |
| Total capital | 7,767,000 | 7,962,000 | 8,211,000 | 8,061,000 |
| Risk-weighted assets | 35,704,000 | 38,021,000 | 41,914,000 | 42,150,000 |