Call reports 2009
KIRKWOOD BANK AND TRUST COMPANY — 2009
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 139,924,000 | 133,904,000 | 143,826,000 | 147,169,000 |
| Total loans | 99,965,000 | 98,593,000 | 98,405,000 | 95,393,000 |
| Allowance for loan losses | 1,636,000 | 1,523,000 | 1,671,000 | 2,176,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,900,000 | 8,981,000 | 7,730,000 | 8,111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,656,000 | 110,517,000 | 120,272,000 | 124,919,000 |
| Interest-bearing deposits | 89,649,000 | 83,374,000 | 87,949,000 | 93,164,000 |
| Noninterest-bearing deposits | 29,007,000 | 27,143,000 | 32,323,000 | 31,755,000 |
| Equity capital | 10,984,000 | 11,157,000 | 11,274,000 | 11,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,753,000 | 3,460,000 | 5,170,000 | 6,828,000 |
| Interest expense | 473,000 | 938,000 | 1,391,000 | 1,827,000 |
| Net interest income | 1,280,000 | 2,522,000 | 3,779,000 | 5,001,000 |
| Noninterest income | 503,000 | 1,037,000 | 1,435,000 | 1,297,000 |
| Noninterest expense | 1,357,000 | 2,752,000 | 4,038,000 | 5,332,000 |
| Provision for loan losses | 45,000 | 90,000 | 238,000 | 3,007,000 |
| Pretax income | 381,000 | 717,000 | 938,000 | -2,041,000 |
| Income tax | 126,000 | 224,000 | 278,000 | -920,000 |
| Net income | 255,000 | 493,000 | 660,000 | -1,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,984,000 | 11,157,000 | 11,274,000 | 11,593,000 |
| Total capital | 12,521,000 | 12,680,000 | 12,834,000 | 13,077,000 |
| Risk-weighted assets | 122,088,000 | 123,480,000 | 123,963,000 | 118,093,000 |