Call reports 2012
KIRKWOOD BANK AND TRUST COMPANY — 2012
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 194,522,000 | 191,060,000 | 195,259,000 | 196,961,000 |
| Total loans | 103,098,000 | 103,628,000 | 111,713,000 | 113,806,000 |
| Allowance for loan losses | 2,387,000 | 2,297,000 | 2,342,000 | 2,174,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,555,000 | 13,873,000 | 13,861,000 | 13,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,245,000 | 171,380,000 | 175,134,000 | 176,674,000 |
| Interest-bearing deposits | 115,342,000 | 108,148,000 | 105,827,000 | 115,289,000 |
| Noninterest-bearing deposits | 59,903,000 | 63,232,000 | 69,307,000 | 61,385,000 |
| Equity capital | 13,719,000 | 14,043,000 | 14,391,000 | 14,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,552,000 | 3,140,000 | 4,731,000 | 6,334,000 |
| Interest expense | 190,000 | 368,000 | 533,000 | 697,000 |
| Net interest income | 1,362,000 | 2,772,000 | 4,198,000 | 5,637,000 |
| Noninterest income | 453,000 | 985,000 | 1,515,000 | 2,137,000 |
| Noninterest expense | 1,362,000 | 2,713,000 | 4,114,000 | 5,554,000 |
| Provision for loan losses | -28,000 | 17,000 | 62,000 | 332,000 |
| Pretax income | 481,000 | 1,027,000 | 1,537,000 | 1,888,000 |
| Income tax | 98,000 | 270,000 | 432,000 | 529,000 |
| Net income | 383,000 | 757,000 | 1,105,000 | 1,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,719,000 | 14,043,000 | 14,391,000 | 14,515,000 |
| Total capital | 15,285,000 | 15,587,000 | 16,030,000 | 16,211,000 |
| Risk-weighted assets | 123,675,000 | 122,016,000 | 129,638,000 | 134,433,000 |