Call reports 2014
KIRKWOOD BANK AND TRUST COMPANY — 2014
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 219,673,000 | 216,601,000 | 214,092,000 | 221,827,000 |
| Total loans | 115,835,000 | 125,454,000 | 132,420,000 | 136,255,000 |
| Allowance for loan losses | 2,571,000 | 2,614,000 | 2,659,000 | 2,839,000 |
| Securities available for sale | 12,079,000 | 13,198,000 | 14,111,000 | 14,524,000 |
| Securities held to maturity | 21,000,000 | 20,309,000 | 20,177,000 | 20,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,011,000 | 193,737,000 | 190,800,000 | 197,853,000 |
| Interest-bearing deposits | 133,089,000 | 128,218,000 | 127,077,000 | 126,563,000 |
| Noninterest-bearing deposits | 61,922,000 | 65,519,000 | 63,723,000 | 71,290,000 |
| Equity capital | 16,030,000 | 16,265,000 | 16,573,000 | 17,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,573,000 | 3,241,000 | 4,978,000 | 6,808,000 |
| Interest expense | 117,000 | 218,000 | 313,000 | 408,000 |
| Net interest income | 1,456,000 | 3,023,000 | 4,665,000 | 6,400,000 |
| Noninterest income | 649,000 | 1,179,000 | 1,729,000 | 2,463,000 |
| Noninterest expense | 1,532,000 | 3,020,000 | 4,557,000 | 6,207,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 528,000 | 1,092,000 | 1,702,000 | 2,476,000 |
| Income tax | 155,000 | 325,000 | 508,000 | 729,000 |
| Net income | 373,000 | 767,000 | 1,194,000 | 1,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,085,000 | 16,219,000 | 16,521,000 | 17,073,000 |
| Total capital | 17,849,000 | 18,075,000 | 18,430,000 | 19,055,000 |
| Risk-weighted assets | 140,349,000 | 147,685,000 | 151,911,000 | 157,716,000 |