Call reports 2007
KIRKWOOD BANK AND TRUST COMPANY — 2007
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 130,199,000 | 137,842,000 | 147,753,000 | 156,398,000 |
| Total loans | 90,392,000 | 88,041,000 | 94,436,000 | 100,886,000 |
| Allowance for loan losses | 1,089,000 | 1,132,000 | 1,178,000 | 1,272,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,981,000 | 9,656,000 | 9,066,000 | 7,517,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,834,000 | 119,320,000 | 128,652,000 | 137,014,000 |
| Interest-bearing deposits | 86,869,000 | 93,230,000 | 103,337,000 | 106,782,000 |
| Noninterest-bearing deposits | 24,965,000 | 26,090,000 | 25,315,000 | 30,232,000 |
| Equity capital | 10,251,000 | 10,530,000 | 10,859,000 | 11,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,140,000 | 4,351,000 | 6,744,000 | 9,162,000 |
| Interest expense | 926,000 | 1,915,000 | 2,952,000 | 3,953,000 |
| Net interest income | 1,214,000 | 2,436,000 | 3,792,000 | 5,209,000 |
| Noninterest income | 254,000 | 697,000 | 1,102,000 | 1,455,000 |
| Noninterest expense | 1,112,000 | 2,265,000 | 3,393,000 | 4,578,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 230,000 |
| Pretax income | 311,000 | 778,000 | 1,366,000 | 1,856,000 |
| Income tax | 103,000 | 201,000 | 415,000 | 534,000 |
| Net income | 208,000 | 577,000 | 951,000 | 1,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,251,000 | 10,530,000 | 10,859,000 | 11,130,000 |
| Total capital | 11,340,000 | 11,662,000 | 12,037,000 | 12,402,000 |
| Risk-weighted assets | 107,781,000 | 108,447,000 | 114,907,000 | 120,114,000 |