Call reports 2013
KIRKWOOD BANK AND TRUST COMPANY — 2013
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 210,785,000 | 203,672,000 | 215,750,000 | 208,575,000 |
| Total loans | 109,290,000 | 110,875,000 | 111,969,000 | 115,178,000 |
| Allowance for loan losses | 2,219,000 | 2,397,000 | 2,459,000 | 2,515,000 |
| Securities available for sale | 0 | 2,062,000 | 8,117,000 | 10,323,000 |
| Securities held to maturity | 15,287,000 | 17,189,000 | 22,108,000 | 21,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,195,000 | 179,658,000 | 191,312,000 | 183,816,000 |
| Interest-bearing deposits | 127,362,000 | 119,727,000 | 121,450,000 | 121,414,000 |
| Noninterest-bearing deposits | 57,833,000 | 59,931,000 | 69,862,000 | 62,402,000 |
| Equity capital | 14,790,000 | 15,007,000 | 15,332,000 | 15,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,559,000 | 3,085,000 | 4,696,000 | 6,324,000 |
| Interest expense | 182,000 | 339,000 | 491,000 | 628,000 |
| Net interest income | 1,377,000 | 2,746,000 | 4,205,000 | 5,696,000 |
| Noninterest income | 574,000 | 1,098,000 | 1,663,000 | 2,290,000 |
| Noninterest expense | 1,436,000 | 2,884,000 | 4,360,000 | 5,867,000 |
| Provision for loan losses | 45,000 | 20,000 | 65,000 | 110,000 |
| Pretax income | 470,000 | 940,000 | 1,443,000 | 2,009,000 |
| Income tax | 145,000 | 297,000 | 424,000 | 527,000 |
| Net income | 325,000 | 643,000 | 1,019,000 | 1,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,790,000 | 15,082,000 | 15,359,000 | 15,772,000 |
| Total capital | 16,448,000 | 16,755,000 | 17,076,000 | 17,544,000 |
| Risk-weighted assets | 132,062,000 | 132,387,000 | 136,600,000 | 141,052,000 |