Institution Statistics
| Kirkwood Bank & Trust Co. | | FDIC Certificate # | 21928 | | BankRate Report | View | | Year Established | 1975 | | Employees | 55 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $194.52 million | | Loans | $100.71 million | | Deposits | $175.25 million | | Equity Capital | $13.72 million | | Loan Loss Allowance | $2.39 million | | Unbacked Noncurrent Loans | $1.29 million | | Real Estate Owned | $171,000 |
Historic Data - March 2011 | | Assets | $165.74 million | | Equity Capital | $12.65 million | | Loan Loss Allowance | $2.31 million | | Unbacked Noncurrent Loans | $1.14 million | | Real Estate Owned | $512,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.3% | | Return on Assets | 0.85% | | Return on Equity | 11.3% | | Interest Income | $1.55 million |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Kirkwood Bank & Trust Co. had $1.46 million in non-current loans and owned real-estate with $16.11 million in equity and loan loss allowances on hand to cover it. This gives Kirkwood Bank & Trust Co. a Texas Ratio of 9.05% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Kirkwood Bank & Trust Co. decreased slightly from 11.03% as of March 31, 2011 to 9.05% as of March 31, 2012, resulting in a positive change of 18.01%.This indicates that the balance sheet and financial strength for Kirkwood Bank & Trust Co. has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Kirkwood Bank & Trust Co. has increased its total deposits by $28.8 million, resulting in 19.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Kirkwood Bank & Trust Co. has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Kirkwood Bank & Trust Co. has $194.52 million in assets with $16.11 million in equity, resulting in a capitalization level of 8.28%, which is average. |
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