Call reports 2003
BANK OF KIRKSVILLE — 2003
What BANK OF KIRKSVILLE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 326,035,000 | 315,451,000 | 320,491,000 | 329,418,000 |
| Total loans | 185,548,000 | 188,861,000 | 193,145,000 | 198,082,000 |
| Allowance for loan losses | 2,533,000 | 2,554,000 | 2,584,000 | 2,582,000 |
| Securities available for sale | 80,481,000 | 70,840,000 | 72,255,000 | 66,536,000 |
| Securities held to maturity | 38,599,000 | 44,074,000 | 43,034,000 | 39,852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,417,000 | 261,447,000 | 264,621,000 | 268,669,000 |
| Interest-bearing deposits | 241,604,000 | 234,263,000 | 237,777,000 | 240,362,000 |
| Noninterest-bearing deposits | 28,813,000 | 27,184,000 | 26,844,000 | 28,307,000 |
| Equity capital | 23,366,000 | 24,204,000 | 24,569,000 | 23,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,020,000 | 7,821,000 | 11,547,000 | 15,215,000 |
| Interest expense | 2,049,000 | 3,969,000 | 5,646,000 | 7,246,000 |
| Net interest income | 1,971,000 | 3,852,000 | 5,901,000 | 7,969,000 |
| Noninterest income | 382,000 | 793,000 | 1,202,000 | 1,559,000 |
| Noninterest expense | 1,153,000 | 2,361,000 | 3,516,000 | 4,693,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 1,170,000 | 2,224,000 | 3,497,000 | 4,791,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,170,000 | 2,224,000 | 3,497,000 | 4,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,425,000 | 23,117,000 | 24,030,000 | 23,361,000 |
| Total capital | 24,461,000 | 25,142,000 | 26,122,000 | 25,496,000 |
| Risk-weighted assets | 162,354,000 | 161,503,000 | 166,857,000 | 170,391,000 |