Call reports 2019
BANK OF KILMICHAEL — 2019
What BANK OF KILMICHAEL reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 178,929,000 | 177,244,000 | 175,510,000 | 178,940,000 |
| Total loans | 116,194,000 | 118,041,000 | 117,115,000 | 120,070,000 |
| Allowance for loan losses | 1,676,000 | 1,489,000 | 1,605,000 | 1,773,000 |
| Securities available for sale | 45,634,000 | 42,652,000 | 41,555,000 | 40,274,000 |
| Securities held to maturity | 1,431,000 | 1,406,000 | 1,281,000 | 1,131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,001,000 | 155,014,000 | 154,786,000 | 158,025,000 |
| Interest-bearing deposits | 116,321,000 | 117,523,000 | 115,576,000 | 119,820,000 |
| Noninterest-bearing deposits | 37,680,000 | 37,491,000 | 39,210,000 | 38,205,000 |
| Equity capital | 17,275,000 | 17,837,000 | 18,181,000 | 18,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,095,000 | 4,236,000 | 6,386,000 | 8,579,000 |
| Interest expense | 333,000 | 676,000 | 1,018,000 | 1,378,000 |
| Net interest income | 1,762,000 | 3,560,000 | 5,368,000 | 7,201,000 |
| Noninterest income | 550,000 | 863,000 | 1,151,000 | 1,486,000 |
| Noninterest expense | 1,251,000 | 2,551,000 | 3,843,000 | 5,284,000 |
| Provision for loan losses | 209,000 | 319,000 | 466,000 | 632,000 |
| Pretax income | 808,000 | 1,463,000 | 2,072,000 | 2,584,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 808,000 | 1,463,000 | 2,072,000 | 2,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,518,000 | 17,381,000 | 17,657,000 | 17,986,000 |
| Total capital | 19,014,000 | 18,870,000 | 19,137,000 | 19,479,000 |
| Risk-weighted assets | 119,536,000 | 119,361,000 | 118,337,000 | 119,163,000 |
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