Call reports 2005
KIRKWOOD BANK AND TRUST COMPANY — 2005
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 112,151,000 | 113,453,000 | 120,895,000 | 130,184,000 |
| Total loans | 76,002,000 | 80,925,000 | 79,194,000 | 85,843,000 |
| Allowance for loan losses | 729,000 | 774,000 | 797,000 | 878,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,524,000 | 9,341,000 | 9,336,000 | 9,797,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,773,000 | 96,914,000 | 103,852,000 | 112,843,000 |
| Interest-bearing deposits | 71,566,000 | 73,572,000 | 79,792,000 | 83,428,000 |
| Noninterest-bearing deposits | 24,207,000 | 23,342,000 | 24,060,000 | 29,415,000 |
| Equity capital | 8,604,000 | 8,776,000 | 9,019,000 | 9,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,511,000 | 3,130,000 | 4,919,000 | 6,875,000 |
| Interest expense | 451,000 | 933,000 | 1,504,000 | 2,209,000 |
| Net interest income | 1,060,000 | 2,197,000 | 3,415,000 | 4,666,000 |
| Noninterest income | 283,000 | 572,000 | 852,000 | 1,146,000 |
| Noninterest expense | 986,000 | 2,002,000 | 2,986,000 | 3,983,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 215,000 |
| Pretax income | 313,000 | 678,000 | 1,147,000 | 1,615,000 |
| Income tax | 107,000 | 230,000 | 393,000 | 588,000 |
| Net income | 206,000 | 448,000 | 754,000 | 1,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,604,000 | 8,776,000 | 9,019,000 | 9,220,000 |
| Total capital | 9,333,000 | 9,550,000 | 9,816,000 | 10,098,000 |
| Risk-weighted assets | 84,757,000 | 89,071,000 | 96,478,000 | 104,235,000 |