Call reports 2023
BANK OF KILMICHAEL — 2023
What BANK OF KILMICHAEL reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 281,902,000 | 277,458,000 | 295,388,000 | 297,004,000 |
| Total loans | 129,421,000 | 135,891,000 | 143,540,000 | 147,311,000 |
| Allowance for loan losses | 2,327,000 | 2,474,000 | 2,613,000 | 2,932,000 |
| Securities available for sale | 43,040,000 | 45,248,000 | 44,051,000 | 45,604,000 |
| Securities held to maturity | 75,973,000 | 74,885,000 | 73,705,000 | 72,818,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,654,000 | 251,721,000 | 268,183,000 | 267,627,000 |
| Interest-bearing deposits | 190,979,000 | 185,101,000 | 202,147,000 | 201,941,000 |
| Noninterest-bearing deposits | 70,675,000 | 66,620,000 | 66,036,000 | 65,686,000 |
| Equity capital | 11,098,000 | 10,948,000 | 12,333,000 | 14,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,885,000 | 5,961,000 | 9,428,000 | 13,020,000 |
| Interest expense | 604,000 | 1,520,000 | 2,761,000 | 4,077,000 |
| Net interest income | 2,281,000 | 4,441,000 | 6,667,000 | 8,943,000 |
| Noninterest income | 754,000 | 1,104,000 | 3,929,000 | 4,751,000 |
| Noninterest expense | 1,645,000 | 3,321,000 | 5,223,000 | 7,292,000 |
| Provision for loan losses | 142,000 | 288,000 | 436,000 | 1,133,000 |
| Pretax income | 1,212,000 | 1,880,000 | 4,851,000 | 5,146,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,212,000 | 1,880,000 | 4,851,000 | 5,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,061,000 | 25,114,000 | 27,579,000 | 27,687,000 |