Call reports 2016
KIRKWOOD BANK AND TRUST COMPANY — 2016
What KIRKWOOD BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 225,774,000 | 217,612,000 | 218,994,000 | 226,279,000 |
| Total loans | 143,792,000 | 141,308,000 | 141,817,000 | 143,707,000 |
| Allowance for loan losses | 2,056,000 | 2,126,000 | 2,139,000 | 2,140,000 |
| Securities available for sale | 17,639,000 | 18,616,000 | 19,142,000 | 20,815,000 |
| Securities held to maturity | 16,223,000 | 15,217,000 | 14,940,000 | 15,042,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,891,000 | 192,860,000 | 193,708,000 | 200,998,000 |
| Interest-bearing deposits | 133,991,000 | 130,979,000 | 133,015,000 | 137,794,000 |
| Noninterest-bearing deposits | 67,900,000 | 61,881,000 | 60,693,000 | 63,204,000 |
| Equity capital | 18,952,000 | 19,409,000 | 19,860,000 | 19,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,798,000 | 3,612,000 | 5,396,000 | 7,138,000 |
| Interest expense | 92,000 | 187,000 | 285,000 | 386,000 |
| Net interest income | 1,706,000 | 3,425,000 | 5,111,000 | 6,752,000 |
| Noninterest income | 490,000 | 1,099,000 | 1,605,000 | 2,123,000 |
| Noninterest expense | 1,636,000 | 3,297,000 | 4,862,000 | 6,425,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 120,000 |
| Pretax income | 515,000 | 1,142,000 | 1,739,000 | 2,335,000 |
| Income tax | 116,000 | 276,000 | 451,000 | 641,000 |
| Net income | 399,000 | 866,000 | 1,288,000 | 1,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,718,000 | 19,114,000 | 19,536,000 | 19,883,000 |
| Total capital | 20,658,000 | 21,164,000 | 21,591,000 | 21,977,000 |
| Risk-weighted assets | 155,091,000 | 163,920,000 | 164,332,000 | 167,474,000 |