Call reports 2010
KIRKWOOD BANK AND TRUST COMPANY — 2010
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 147,023,000 | 143,251,000 | 159,353,000 | 158,509,000 |
| Total loans | 94,644,000 | 96,744,000 | 97,303,000 | 96,458,000 |
| Allowance for loan losses | 2,227,000 | 2,272,000 | 2,317,000 | 2,253,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,861,000 | 8,565,000 | 8,314,000 | 8,354,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,675,000 | 122,510,000 | 138,036,000 | 137,285,000 |
| Interest-bearing deposits | 91,498,000 | 89,764,000 | 97,897,000 | 95,644,000 |
| Noninterest-bearing deposits | 35,177,000 | 32,746,000 | 40,139,000 | 41,641,000 |
| Equity capital | 11,816,000 | 12,061,000 | 12,398,000 | 12,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,563,000 | 3,161,000 | 4,843,000 | 6,443,000 |
| Interest expense | 387,000 | 734,000 | 1,075,000 | 1,399,000 |
| Net interest income | 1,176,000 | 2,427,000 | 3,768,000 | 5,044,000 |
| Noninterest income | 466,000 | 908,000 | 1,415,000 | 1,714,000 |
| Noninterest expense | 1,299,000 | 2,565,000 | 3,891,000 | 5,204,000 |
| Provision for loan losses | 45,000 | 90,000 | -422,000 | -377,000 |
| Pretax income | 298,000 | 680,000 | 1,714,000 | 1,931,000 |
| Income tax | 75,000 | 212,000 | 509,000 | 631,000 |
| Net income | 223,000 | 468,000 | 1,205,000 | 1,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,816,000 | 12,061,000 | 12,398,000 | 12,438,000 |
| Total capital | 13,287,000 | 13,527,000 | 13,868,000 | 13,912,000 |
| Risk-weighted assets | 116,190,000 | 115,693,000 | 115,953,000 | 116,365,000 |