Call reports 2020
BANK OF KILMICHAEL — 2020
What BANK OF KILMICHAEL reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 198,422,000 | 211,069,000 | 208,719,000 | 213,041,000 |
| Total loans | 118,748,000 | 124,713,000 | 126,464,000 | 122,261,000 |
| Allowance for loan losses | 1,915,000 | 2,005,000 | 2,120,000 | 2,189,000 |
| Securities available for sale | 46,577,000 | 67,863,000 | 65,536,000 | 62,953,000 |
| Securities held to maturity | 1,106,000 | 1,081,000 | 955,000 | 1,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,000,000 | 185,969,000 | 184,144,000 | 189,228,000 |
| Interest-bearing deposits | 137,380,000 | 136,115,000 | 135,664,000 | 135,360,000 |
| Noninterest-bearing deposits | 41,620,000 | 49,854,000 | 48,480,000 | 53,868,000 |
| Equity capital | 17,184,000 | 19,911,000 | 20,391,000 | 21,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,131,000 | 4,401,000 | 6,685,000 | 9,039,000 |
| Interest expense | 380,000 | 714,000 | 1,021,000 | 1,291,000 |
| Net interest income | 1,751,000 | 3,687,000 | 5,664,000 | 7,748,000 |
| Noninterest income | 540,000 | 766,000 | 1,089,000 | 1,407,000 |
| Noninterest expense | 1,323,000 | 2,636,000 | 3,960,000 | 5,568,000 |
| Provision for loan losses | 141,000 | 269,000 | 399,000 | 528,000 |
| Pretax income | 847,000 | 1,543,000 | 2,487,000 | 2,964,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 847,000 | 1,543,000 | 2,487,000 | 2,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,385,000 | 18,416,000 | 18,795,000 | 19,533,000 |