Call reports 2003
KIRKWOOD BANK AND TRUST COMPANY — 2003
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 83,389,000 | 89,824,000 | 90,302,000 | 90,753,000 |
| Total loans | 55,580,000 | 56,878,000 | 57,871,000 | 59,322,000 |
| Allowance for loan losses | 563,000 | 578,000 | 593,000 | 608,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,312,000 | 9,236,000 | 10,403,000 | 11,991,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,009,000 | 82,234,000 | 82,292,000 | 82,281,000 |
| Interest-bearing deposits | 60,803,000 | 65,563,000 | 64,441,000 | 65,866,000 |
| Noninterest-bearing deposits | 15,206,000 | 16,671,000 | 17,851,000 | 16,415,000 |
| Equity capital | 6,393,000 | 6,611,000 | 6,883,000 | 7,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,086,000 | 2,201,000 | 3,358,000 | 4,534,000 |
| Interest expense | 283,000 | 558,000 | 801,000 | 1,017,000 |
| Net interest income | 803,000 | 1,643,000 | 2,557,000 | 3,517,000 |
| Noninterest income | 400,000 | 854,000 | 1,285,000 | 1,915,000 |
| Noninterest expense | 871,000 | 1,786,000 | 2,686,000 | 3,591,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 317,000 | 681,000 | 1,111,000 | 1,781,000 |
| Income tax | 104,000 | 239,000 | 390,000 | 681,000 |
| Net income | 213,000 | 442,000 | 721,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,393,000 | 6,611,000 | 6,883,000 | 7,250,000 |
| Total capital | 6,956,000 | 7,189,000 | 7,476,000 | 7,858,000 |
| Risk-weighted assets | 61,236,000 | 63,533,000 | 64,281,000 | 66,132,000 |