Call reports 2006
KIRKWOOD BANK AND TRUST COMPANY — 2006
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 120,013,000 | 120,146,000 | 117,980,000 | 124,913,000 |
| Total loans | 85,934,000 | 88,215,000 | 85,565,000 | 89,591,000 |
| Allowance for loan losses | 923,000 | 968,000 | 1,013,000 | 1,056,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,248,000 | 10,208,000 | 10,581,000 | 10,361,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,551,000 | 102,477,000 | 99,844,000 | 106,429,000 |
| Interest-bearing deposits | 79,909,000 | 76,812,000 | 76,611,000 | 80,809,000 |
| Noninterest-bearing deposits | 22,642,000 | 25,665,000 | 23,233,000 | 25,620,000 |
| Equity capital | 9,501,000 | 9,758,000 | 10,009,000 | 10,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,031,000 | 4,016,000 | 6,051,000 | 8,042,000 |
| Interest expense | 757,000 | 1,489,000 | 2,334,000 | 3,158,000 |
| Net interest income | 1,274,000 | 2,527,000 | 3,717,000 | 4,884,000 |
| Noninterest income | 279,000 | 581,000 | 899,000 | 1,175,000 |
| Noninterest expense | 990,000 | 1,986,000 | 3,002,000 | 4,013,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 518,000 | 1,032,000 | 1,479,000 | 1,866,000 |
| Income tax | 171,000 | 349,000 | 490,000 | 641,000 |
| Net income | 347,000 | 683,000 | 989,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,501,000 | 9,758,000 | 10,009,000 | 10,178,000 |
| Total capital | 10,424,000 | 10,726,000 | 11,022,000 | 11,234,000 |
| Risk-weighted assets | 103,219,000 | 102,623,000 | 100,822,000 | 105,656,000 |