Call reports 2008
KIRKWOOD BANK AND TRUST COMPANY — 2008
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 154,626,000 | 156,794,000 | 148,281,000 | 138,438,000 |
| Total loans | 104,720,000 | 103,884,000 | 100,401,000 | 98,954,000 |
| Allowance for loan losses | 1,317,000 | 1,204,000 | 1,250,000 | 1,599,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,799,000 | 8,259,000 | 8,550,000 | 8,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,808,000 | 133,945,000 | 125,094,000 | 116,497,000 |
| Interest-bearing deposits | 105,434,000 | 104,201,000 | 29,188,000 | 88,730,000 |
| Noninterest-bearing deposits | 28,374,000 | 29,744,000 | 95,906,000 | 27,767,000 |
| Equity capital | 11,285,000 | 11,343,000 | 11,596,000 | 10,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,206,000 | 4,251,000 | 6,245,000 | 8,142,000 |
| Interest expense | 869,000 | 1,596,000 | 2,273,000 | 2,867,000 |
| Net interest income | 1,337,000 | 2,655,000 | 3,972,000 | 5,275,000 |
| Noninterest income | 309,000 | 705,000 | 1,102,000 | 1,652,000 |
| Noninterest expense | 1,229,000 | 2,525,000 | 3,768,000 | 5,123,000 |
| Provision for loan losses | 45,000 | 265,000 | 310,000 | 2,655,000 |
| Pretax income | 372,000 | 570,000 | 996,000 | -851,000 |
| Income tax | 117,000 | 207,000 | 320,000 | -390,000 |
| Net income | 255,000 | 363,000 | 676,000 | -461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,285,000 | 11,343,000 | 11,596,000 | 10,819,000 |
| Total capital | 12,602,000 | 12,547,000 | 12,846,000 | 12,287,000 |
| Risk-weighted assets | 125,034,000 | 123,438,000 | 119,947,000 | 116,659,000 |