Call reports 2014
BANK OF KILMICHAEL — 2014
What BANK OF KILMICHAEL reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 139,437,000 | 136,410,000 | 137,592,000 | 138,868,000 |
| Total loans | 74,335,000 | 75,040,000 | 77,220,000 | 76,701,000 |
| Allowance for loan losses | 1,128,000 | 1,134,000 | 1,184,000 | 1,044,000 |
| Securities available for sale | 31,712,000 | 35,512,000 | 34,559,000 | 33,707,000 |
| Securities held to maturity | 3,907,000 | 4,905,000 | 4,894,000 | 4,789,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,630,000 | 122,960,000 | 121,630,000 | 123,043,000 |
| Interest-bearing deposits | 102,969,000 | 100,225,000 | 98,777,000 | 99,354,000 |
| Noninterest-bearing deposits | 23,661,000 | 22,735,000 | 22,853,000 | 23,689,000 |
| Equity capital | 11,547,000 | 11,943,000 | 12,169,000 | 13,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,393,000 | 2,790,000 | 4,308,000 | 5,815,000 |
| Interest expense | 196,000 | 393,000 | 588,000 | 783,000 |
| Net interest income | 1,197,000 | 2,397,000 | 3,720,000 | 5,032,000 |
| Noninterest income | 185,000 | 375,000 | 591,000 | 1,169,000 |
| Noninterest expense | 943,000 | 1,885,000 | 2,837,000 | 3,914,000 |
| Provision for loan losses | 45,000 | 76,000 | 76,000 | 76,000 |
| Pretax income | 394,000 | 811,000 | 1,400,000 | 2,213,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 394,000 | 811,000 | 1,400,000 | 2,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,447,000 | 11,690,000 | 11,883,000 | 12,697,000 |
| Total capital | 12,523,000 | 12,714,000 | 12,922,000 | 13,741,000 |
| Risk-weighted assets | 89,015,000 | 82,779,000 | 86,951,000 | 85,834,000 |
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