Call reports 2015
KIRKWOOD BANK AND TRUST COMPANY — 2015
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 231,016,000 | 221,845,000 | 220,171,000 | 221,765,000 |
| Total loans | 135,184,000 | 140,002,000 | 144,126,000 | 148,625,000 |
| Allowance for loan losses | 2,815,000 | 2,716,000 | 2,733,000 | 2,779,000 |
| Securities available for sale | 15,771,000 | 15,837,000 | 14,940,000 | 16,381,000 |
| Securities held to maturity | 20,263,000 | 17,639,000 | 16,140,000 | 16,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,801,000 | 198,407,000 | 196,267,000 | 197,835,000 |
| Interest-bearing deposits | 137,026,000 | 130,182,000 | 127,212,000 | 129,908,000 |
| Noninterest-bearing deposits | 70,775,000 | 68,225,000 | 69,055,000 | 67,927,000 |
| Equity capital | 17,621,000 | 17,902,000 | 18,333,000 | 18,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,754,000 | 3,527,000 | 5,341,000 | 7,156,000 |
| Interest expense | 94,000 | 180,000 | 269,000 | 358,000 |
| Net interest income | 1,660,000 | 3,347,000 | 5,072,000 | 6,798,000 |
| Noninterest income | 735,000 | 1,392,000 | 1,942,000 | 2,543,000 |
| Noninterest expense | 1,673,000 | 3,290,000 | 4,883,000 | 6,532,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 60,000 |
| Pretax income | 722,000 | 1,449,000 | 2,116,000 | 2,749,000 |
| Income tax | 220,000 | 437,000 | 644,000 | 844,000 |
| Net income | 502,000 | 1,012,000 | 1,472,000 | 1,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,436,000 | 17,795,000 | 18,126,000 | 18,418,000 |
| Total capital | 19,344,000 | 19,882,000 | 20,157,000 | 20,426,000 |
| Risk-weighted assets | 151,721,000 | 166,303,000 | 161,763,000 | 159,896,000 |