Call reports 2003
KEEN BANK, NATIONAL ASSOCIATION — 2003
What KEEN BANK, NATIONAL ASSOCIATION 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 | 114,865,000 | 114,549,000 | 111,122,000 | 117,425,000 |
| Total loans | 84,442,000 | 86,476,000 | 85,910,000 | 85,096,000 |
| Allowance for loan losses | 1,180,000 | 1,201,000 | 1,196,000 | 1,196,000 |
| Securities available for sale | 14,461,000 | 12,409,000 | 11,649,000 | 11,262,000 |
| Securities held to maturity | 12,000 | 12,000 | 11,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,295,000 | 96,167,000 | 93,059,000 | 101,087,000 |
| Interest-bearing deposits | 82,880,000 | 84,221,000 | 80,912,000 | 81,827,000 |
| Noninterest-bearing deposits | 12,415,000 | 11,946,000 | 12,147,000 | 19,260,000 |
| Equity capital | 11,116,000 | 10,965,000 | 10,797,000 | 10,589,000 |
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 | 1,725,000 | 3,458,000 | 5,085,000 | 6,631,000 |
| Interest expense | 564,000 | 1,086,000 | 1,543,000 | 1,969,000 |
| Net interest income | 1,161,000 | 2,372,000 | 3,542,000 | 4,662,000 |
| Noninterest income | 187,000 | 384,000 | 567,000 | 757,000 |
| Noninterest expense | 869,000 | 1,721,000 | 2,584,000 | 3,604,000 |
| Provision for loan losses | 5,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 474,000 | 1,000,000 | 1,490,000 | 1,780,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 472,000 | 998,000 | 1,488,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,511,000 | 9,338,000 | 9,377,000 | 9,143,000 |
| Total capital | 10,502,000 | 10,338,000 | 10,392,000 | 10,158,000 |
| Risk-weighted assets | 79,108,000 | 79,794,000 | 81,047,000 | 81,028,000 |