Call reports 2009
BANK OF KILMICHAEL — 2009
What BANK OF KILMICHAEL reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 73,055,000 | 71,374,000 | 71,514,000 | 72,381,000 |
| Total loans | 43,928,000 | 45,710,000 | 44,926,000 | 43,164,000 |
| Allowance for loan losses | 587,000 | 622,000 | 673,000 | 667,000 |
| Securities available for sale | 10,653,000 | 9,502,000 | 8,292,000 | 7,634,000 |
| Securities held to maturity | 6,708,000 | 6,188,000 | 6,099,000 | 5,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,556,000 | 63,755,000 | 63,646,000 | 64,675,000 |
| Interest-bearing deposits | 57,108,000 | 56,165,000 | 56,249,000 | 56,522,000 |
| Noninterest-bearing deposits | 8,448,000 | 7,590,000 | 7,397,000 | 8,153,000 |
| Equity capital | 6,679,000 | 6,727,000 | 6,998,000 | 6,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,027,000 | 2,033,000 | 3,006,000 | 3,969,000 |
| Interest expense | 337,000 | 625,000 | 904,000 | 1,171,000 |
| Net interest income | 690,000 | 1,408,000 | 2,102,000 | 2,798,000 |
| Noninterest income | 121,000 | 218,000 | 302,000 | 471,000 |
| Noninterest expense | 543,000 | 1,126,000 | 1,650,000 | 2,216,000 |
| Provision for loan losses | 31,000 | 71,000 | 120,000 | 255,000 |
| Pretax income | 262,000 | 454,000 | 612,000 | 637,000 |
| Income tax | 5,000 | 10,000 | 16,000 | 24,000 |
| Net income | 257,000 | 444,000 | 596,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,531,000 | 6,538,000 | 6,697,000 | 6,727,000 |
| Total capital | 7,118,000 | 7,160,000 | 7,363,000 | 7,370,000 |
| Risk-weighted assets | 67,201,000 | 67,201,000 | 66,401,000 | 64,512,000 |
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