Call reports 2025
KINMUNDY BANK — 2025
What KINMUNDY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 69,329,000 | 68,838,000 | 72,172,000 | 73,590,000 |
| Total loans | 45,563,000 | 47,244,000 | 48,388,000 | 49,238,000 |
| Allowance for loan losses | 388,000 | 400,000 | 387,000 | 397,000 |
| Securities available for sale | 14,967,000 | 15,233,000 | 15,497,000 | 16,407,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,808,000 | 59,025,000 | 61,562,000 | 63,210,000 |
| Interest-bearing deposits | 44,557,000 | 44,527,000 | 47,754,000 | 48,943,000 |
| Noninterest-bearing deposits | 15,251,000 | 14,498,000 | 13,808,000 | 14,267,000 |
| Equity capital | 9,362,000 | 9,683,000 | 10,227,000 | 10,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 941,000 | 1,921,000 | 2,937,000 | 4,007,000 |
| Interest expense | 193,000 | 406,000 | 655,000 | 888,000 |
| Net interest income | 748,000 | 1,515,000 | 2,282,000 | 3,119,000 |
| Noninterest income | 117,000 | 196,000 | 431,000 | 512,000 |
| Noninterest expense | 325,000 | 647,000 | 930,000 | 1,317,000 |
| Provision for loan losses | 27,000 | 21,000 | 49,000 | 49,000 |
| Pretax income | 513,000 | 1,043,000 | 1,734,000 | 2,264,000 |
| Income tax | 76,000 | 215,000 | 399,000 | 543,000 |
| Net income | 437,000 | 828,000 | 1,335,000 | 1,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,675,000 | 8,960,000 | 9,361,000 | 9,341,000 |
| Total capital | 9,064,000 | 9,361,000 | 9,749,000 | 9,738,000 |
| Risk-weighted assets | 42,511,000 | 43,874,000 | 44,923,000 | 44,198,000 |