Call reports 2008
BANK OF KIRKSVILLE — 2008
What BANK OF KIRKSVILLE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 406,056,000 | 406,735,000 | 408,715,000 | 408,281,000 |
| Total loans | 225,003,000 | 223,238,000 | 222,673,000 | 222,180,000 |
| Allowance for loan losses | 2,500,000 | 2,541,000 | 2,552,000 | 2,848,000 |
| Securities available for sale | 126,040,000 | 151,827,000 | 137,342,000 | 134,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,448,000 | 350,303,000 | 349,753,000 | 342,891,000 |
| Interest-bearing deposits | 316,862,000 | 316,060,000 | 293,386,000 | 299,311,000 |
| Noninterest-bearing deposits | 33,586,000 | 34,243,000 | 56,367,000 | 43,580,000 |
| Equity capital | 35,373,000 | 31,376,000 | 35,801,000 | 39,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,334,000 | 10,469,000 | 15,458,000 | 20,089,000 |
| Interest expense | 3,581,000 | 7,039,000 | 9,943,000 | 12,561,000 |
| Net interest income | 1,753,000 | 3,430,000 | 5,515,000 | 7,528,000 |
| Noninterest income | 240,000 | 602,000 | 1,016,000 | 1,428,000 |
| Noninterest expense | 1,445,000 | 2,842,000 | 4,172,000 | 5,599,000 |
| Provision for loan losses | 10,000 | 50,000 | 80,000 | 450,000 |
| Pretax income | 1,426,000 | 2,123,000 | 3,322,000 | 3,950,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,426,000 | 2,123,000 | 3,322,000 | 3,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,442,000 | 33,039,000 | 34,065,000 | 34,693,000 |
| Total capital | 34,936,000 | 35,467,000 | 36,507,000 | 37,161,000 |
| Risk-weighted assets | 199,506,000 | 194,138,000 | 195,283,000 | 197,094,000 |