Call reports 2004
KIRKWOOD BANK AND TRUST COMPANY — 2004
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,064,000 | 97,757,000 | 100,940,000 | 98,152,000 |
| Total loans | 63,529,000 | 68,858,000 | 70,428,000 | 76,508,000 |
| Allowance for loan losses | 623,000 | 632,000 | 654,000 | 684,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,040,000 | 8,560,000 | 8,282,000 | 7,726,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,152,000 | 83,707,000 | 86,603,000 | 81,878,000 |
| Interest-bearing deposits | 63,301,000 | 61,754,000 | 63,359,000 | 58,707,000 |
| Noninterest-bearing deposits | 16,851,000 | 21,953,000 | 23,243,000 | 23,171,000 |
| Equity capital | 7,658,000 | 7,965,000 | 8,200,000 | 8,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,241,000 | 2,538,000 | 3,840,000 | 5,257,000 |
| Interest expense | 208,000 | 453,000 | 741,000 | 1,063,000 |
| Net interest income | 1,033,000 | 2,085,000 | 3,099,000 | 4,194,000 |
| Noninterest income | 665,000 | 954,000 | 1,258,000 | 1,535,000 |
| Noninterest expense | 820,000 | 1,687,000 | 2,606,000 | 3,515,000 |
| Provision for loan losses | 15,000 | 33,000 | 55,000 | 85,000 |
| Pretax income | 863,000 | 1,319,000 | 1,696,000 | 2,129,000 |
| Income tax | 300,000 | 437,000 | 539,000 | 680,000 |
| Net income | 563,000 | 882,000 | 1,157,000 | 1,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,658,000 | 7,965,000 | 8,200,000 | 8,462,000 |
| Total capital | 8,281,000 | 8,597,000 | 8,854,000 | 9,146,000 |
| Risk-weighted assets | 69,823,000 | 74,838,000 | 77,103,000 | 81,699,000 |