Call reports 2015
BANK OF KILMICHAEL — 2015
What BANK OF KILMICHAEL reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 138,949,000 | 141,748,000 | 143,589,000 | 150,134,000 |
| Total loans | 79,064,000 | 82,728,000 | 85,154,000 | 86,909,000 |
| Allowance for loan losses | 1,076,000 | 1,099,000 | 1,131,000 | 1,161,000 |
| Securities available for sale | 33,732,000 | 34,567,000 | 34,985,000 | 35,034,000 |
| Securities held to maturity | 4,765,000 | 4,749,000 | 4,687,000 | 4,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,866,000 | 126,485,000 | 127,655,000 | 133,853,000 |
| Interest-bearing deposits | 99,604,000 | 100,262,000 | 101,723,000 | 106,088,000 |
| Noninterest-bearing deposits | 24,262,000 | 26,223,000 | 25,932,000 | 27,765,000 |
| Equity capital | 13,371,000 | 13,004,000 | 13,562,000 | 14,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,458,000 | 2,970,000 | 4,533,000 | 6,150,000 |
| Interest expense | 188,000 | 371,000 | 558,000 | 748,000 |
| Net interest income | 1,270,000 | 2,599,000 | 3,975,000 | 5,402,000 |
| Noninterest income | 205,000 | 412,000 | 653,000 | 1,246,000 |
| Noninterest expense | 942,000 | 1,944,000 | 3,026,000 | 4,178,000 |
| Provision for loan losses | 42,000 | 70,000 | 106,000 | 161,000 |
| Pretax income | 491,000 | 997,000 | 1,496,000 | 2,109,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 491,000 | 997,000 | 1,496,000 | 2,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,415,000 | 12,381,000 | 12,723,000 | 13,443,000 |
| Total capital | 13,491,000 | 13,480,000 | 13,854,000 | 14,604,000 |
| Risk-weighted assets | 84,128,000 | 95,004,000 | 99,309,000 | 97,279,000 |