Call reports 2025
BANK OF KILMICHAEL — 2025
What BANK OF KILMICHAEL reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 321,247,000 | 317,555,000 | 325,244,000 | 328,913,000 |
| Total loans | 178,771,000 | 190,619,000 | 193,797,000 | 196,411,000 |
| Allowance for loan losses | 2,877,000 | 2,401,000 | 2,585,000 | 2,730,000 |
| Securities available for sale | 40,949,000 | 40,591,000 | 40,578,000 | 39,441,000 |
| Securities held to maturity | 67,314,000 | 66,112,000 | 65,144,000 | 63,884,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,975,000 | 294,104,000 | 296,921,000 | 299,938,000 |
| Interest-bearing deposits | 243,578,000 | 237,144,000 | 236,489,000 | 239,289,000 |
| Noninterest-bearing deposits | 59,397,000 | 56,960,000 | 60,432,000 | 60,649,000 |
| Equity capital | 15,847,000 | 15,809,000 | 17,659,000 | 18,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,047,000 | 8,432,000 | 12,910,000 | 17,459,000 |
| Interest expense | 1,561,000 | 3,199,000 | 4,912,000 | 6,612,000 |
| Net interest income | 2,486,000 | 5,233,000 | 7,998,000 | 10,847,000 |
| Noninterest income | 386,000 | 776,000 | 1,143,000 | 1,538,000 |
| Noninterest expense | 1,903,000 | 3,877,000 | 5,910,000 | 8,297,000 |
| Provision for loan losses | 144,000 | 342,000 | 553,000 | 765,000 |
| Pretax income | 825,000 | 1,790,000 | 2,678,000 | 3,321,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 825,000 | 1,790,000 | 2,678,000 | 3,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,064,000 | 29,473,000 | 29,966,000 | 30,452,000 |
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