Call reports 2016
BANK OF KILMICHAEL — 2016
What BANK OF KILMICHAEL reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 156,154,000 | 157,519,000 | 158,760,000 | 158,146,000 |
| Total loans | 86,966,000 | 89,985,000 | 91,266,000 | 89,856,000 |
| Allowance for loan losses | 1,254,000 | 1,312,000 | 1,260,000 | 1,327,000 |
| Securities available for sale | 36,576,000 | 43,717,000 | 43,845,000 | 44,821,000 |
| Securities held to maturity | 4,359,000 | 4,346,000 | 3,979,000 | 4,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,188,000 | 139,909,000 | 141,041,000 | 141,455,000 |
| Interest-bearing deposits | 110,382,000 | 111,520,000 | 111,158,000 | 109,119,000 |
| Noninterest-bearing deposits | 28,806,000 | 28,389,000 | 29,883,000 | 32,336,000 |
| Equity capital | 14,661,000 | 15,144,000 | 15,127,000 | 14,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,595,000 | 3,292,000 | 5,000,000 | 6,681,000 |
| Interest expense | 188,000 | 381,000 | 576,000 | 782,000 |
| Net interest income | 1,407,000 | 2,911,000 | 4,424,000 | 5,899,000 |
| Noninterest income | 273,000 | 509,000 | 745,000 | 1,005,000 |
| Noninterest expense | 1,098,000 | 2,216,000 | 3,390,000 | 4,526,000 |
| Provision for loan losses | 68,000 | 144,000 | 229,000 | 315,000 |
| Pretax income | 514,000 | 1,065,000 | 1,579,000 | 2,151,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 514,000 | 1,065,000 | 1,579,000 | 2,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,556,000 | 13,564,000 | 13,886,000 | 14,487,000 |
| Total capital | 14,773,000 | 14,848,000 | 15,146,000 | 15,812,000 |
| Risk-weighted assets | 96,693,000 | 102,061,000 | 103,701,000 | 105,383,000 |