Call reports 2010
BANK OF KILMICHAEL — 2010
What BANK OF KILMICHAEL reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 73,041,000 | 74,850,000 | 82,495,000 | 88,050,000 |
| Total loans | 45,428,000 | 47,802,000 | 47,780,000 | 47,590,000 |
| Allowance for loan losses | 705,000 | 751,000 | 763,000 | 690,000 |
| Securities available for sale | 7,569,000 | 6,985,000 | 6,782,000 | 11,194,000 |
| Securities held to maturity | 5,847,000 | 4,787,000 | 4,756,000 | 4,492,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,384,000 | 66,920,000 | 74,360,000 | 80,086,000 |
| Interest-bearing deposits | 57,598,000 | 59,153,000 | 65,940,000 | 70,095,000 |
| Noninterest-bearing deposits | 7,786,000 | 7,767,000 | 8,420,000 | 9,991,000 |
| Equity capital | 6,842,000 | 7,010,000 | 7,246,000 | 7,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 953,000 | 1,960,000 | 2,939,000 | 3,914,000 |
| Interest expense | 258,000 | 516,000 | 787,000 | 1,071,000 |
| Net interest income | 695,000 | 1,444,000 | 2,152,000 | 2,843,000 |
| Noninterest income | 156,000 | 306,000 | 397,000 | 633,000 |
| Noninterest expense | 577,000 | 1,182,000 | 1,748,000 | 2,498,000 |
| Provision for loan losses | 35,000 | 87,000 | 109,000 | 76,000 |
| Pretax income | 106,000 | 295,000 | 479,000 | 484,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 106,000 | 295,000 | 479,000 | 484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,603,000 | 6,770,000 | 6,968,000 | 6,983,000 |
| Total capital | 7,308,000 | 7,521,000 | 7,643,000 | 7,670,000 |
| Risk-weighted assets | 62,541,000 | 63,084,000 | 62,839,000 | 61,764,000 |
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