Call reports 2002
KIRKWOOD BANK AND TRUST COMPANY — 2002
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 68,721,000 | 70,858,000 | 81,624,000 | 82,333,000 |
| Total loans | 49,326,000 | 50,314,000 | 53,465,000 | 54,627,000 |
| Allowance for loan losses | 599,000 | 608,000 | 616,000 | 548,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,795,000 | 5,302,000 | 10,672,000 | 9,619,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,977,000 | 63,777,000 | 74,503,000 | 75,025,000 |
| Interest-bearing deposits | 49,646,000 | 50,594,000 | 59,455,000 | 56,801,000 |
| Noninterest-bearing deposits | 12,331,000 | 13,183,000 | 15,048,000 | 18,224,000 |
| Equity capital | 5,827,000 | 5,981,000 | 6,176,000 | 6,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,070,000 | 2,130,000 | 3,283,000 | 4,475,000 |
| Interest expense | 379,000 | 737,000 | 1,128,000 | 1,458,000 |
| Net interest income | 691,000 | 1,393,000 | 2,155,000 | 3,017,000 |
| Noninterest income | 312,000 | 631,000 | 947,000 | 1,399,000 |
| Noninterest expense | 737,000 | 1,465,000 | 2,204,000 | 3,039,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 247,000 |
| Pretax income | 251,000 | 529,000 | 853,000 | 1,130,000 |
| Income tax | 89,000 | 195,000 | 319,000 | 419,000 |
| Net income | 162,000 | 334,000 | 534,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,827,000 | 5,981,000 | 6,176,000 | 6,338,000 |
| Total capital | 6,426,000 | 6,589,000 | 6,792,000 | 6,886,000 |
| Risk-weighted assets | 52,421,000 | 54,444,000 | 59,016,000 | 59,010,000 |