Call reports 2013
BANK OF KILMICHAEL — 2013
What BANK OF KILMICHAEL reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 131,771,000 | 132,605,000 | 132,514,000 | 132,989,000 |
| Total loans | 69,803,000 | 73,175,000 | 72,627,000 | 75,662,000 |
| Allowance for loan losses | 985,000 | 1,022,000 | 1,051,000 | 1,063,000 |
| Securities available for sale | 28,500,000 | 29,738,000 | 29,942,000 | 31,143,000 |
| Securities held to maturity | 3,825,000 | 3,822,000 | 4,020,000 | 3,918,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,604,000 | 120,566,000 | 120,105,000 | 120,395,000 |
| Interest-bearing deposits | 101,842,000 | 99,892,000 | 99,824,000 | 98,948,000 |
| Noninterest-bearing deposits | 17,762,000 | 20,674,000 | 20,281,000 | 21,447,000 |
| Equity capital | 11,089,000 | 10,828,000 | 11,091,000 | 11,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,288,000 | 2,621,000 | 4,019,000 | 5,411,000 |
| Interest expense | 243,000 | 469,000 | 683,000 | 886,000 |
| Net interest income | 1,045,000 | 2,152,000 | 3,336,000 | 4,525,000 |
| Noninterest income | 159,000 | 352,000 | 548,000 | 734,000 |
| Noninterest expense | 878,000 | 1,673,000 | 2,645,000 | 3,637,000 |
| Provision for loan losses | 45,000 | 91,000 | 137,000 | 183,000 |
| Pretax income | 281,000 | 740,000 | 1,102,000 | 1,439,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 281,000 | 740,000 | 1,102,000 | 1,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,601,000 | 10,836,000 | 11,072,000 | 11,414,000 |
| Total capital | 11,586,000 | 11,790,000 | 11,989,000 | 12,385,000 |
| Risk-weighted assets | 84,966,000 | 79,924,000 | 73,882,000 | 83,864,000 |
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