Call reports 2002
BANK OF KILMICHAEL — 2002
What BANK OF KILMICHAEL reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 56,309,000 | 56,978,000 | 56,129,000 | 56,620,000 |
| Total loans | 32,762,000 | 32,341,000 | 32,800,000 | 31,137,000 |
| Allowance for loan losses | 702,000 | 821,000 | 1,042,000 | 1,003,000 |
| Securities available for sale | 21,165,000 | 20,499,000 | 19,624,000 | 21,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,612,000 | 49,243,000 | 48,258,000 | 48,807,000 |
| Interest-bearing deposits | 43,528,000 | 44,492,000 | 43,764,000 | 43,781,000 |
| Noninterest-bearing deposits | 5,084,000 | 4,751,000 | 4,494,000 | 5,026,000 |
| Equity capital | 6,243,000 | 6,299,000 | 6,459,000 | 6,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 862,000 | 1,693,000 | 2,551,000 | 3,322,000 |
| Interest expense | 356,000 | 675,000 | 995,000 | 1,288,000 |
| Net interest income | 506,000 | 1,018,000 | 1,556,000 | 2,034,000 |
| Noninterest income | 66,000 | 128,000 | 192,000 | 258,000 |
| Noninterest expense | 328,000 | 668,000 | 1,026,000 | 1,396,000 |
| Provision for loan losses | 60,000 | 220,000 | 600,000 | 600,000 |
| Pretax income | 182,000 | 256,000 | 126,000 | 300,000 |
| Income tax | 47,000 | 62,000 | -18,000 | -4,000 |
| Net income | 135,000 | 194,000 | 144,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,105,000 | 6,161,000 | 6,175,000 | 6,133,000 |
| Total capital | 6,614,000 | 6,665,000 | 6,678,000 | 6,655,000 |
| Risk-weighted assets | 40,520,000 | 39,932,000 | 39,686,000 | 41,260,000 |
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