Call reports 2004
KEEN BANK, NATIONAL ASSOCIATION — 2004
What KEEN BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 110,869,000 | 110,628,000 | 109,074,000 | 117,378,000 |
| Total loans | 87,973,000 | 88,427,000 | 87,536,000 | 88,443,000 |
| Allowance for loan losses | 1,171,000 | 1,162,000 | 1,115,000 | 1,127,000 |
| Securities available for sale | 11,250,000 | 10,217,000 | 10,487,000 | 10,814,000 |
| Securities held to maturity | 9,000 | 9,000 | 9,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,733,000 | 93,295,000 | 88,514,000 | 95,488,000 |
| Interest-bearing deposits | 80,289,000 | 80,291,000 | 77,439,000 | 78,112,000 |
| Noninterest-bearing deposits | 11,444,000 | 13,004,000 | 11,075,000 | 17,376,000 |
| Equity capital | 11,135,000 | 10,488,000 | 10,756,000 | 10,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,530,000 | 3,056,000 | 4,566,000 | 6,135,000 |
| Interest expense | 385,000 | 754,000 | 1,110,000 | 1,494,000 |
| Net interest income | 1,145,000 | 2,302,000 | 3,456,000 | 4,641,000 |
| Noninterest income | 189,000 | 435,000 | 632,000 | 849,000 |
| Noninterest expense | 909,000 | 1,836,000 | 2,721,000 | 3,664,000 |
| Provision for loan losses | 0 | 3,000 | 8,000 | 13,000 |
| Pretax income | 425,000 | 898,000 | 1,359,000 | 1,770,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 423,000 | 896,000 | 1,357,000 | 1,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,566,000 | 9,238,000 | 9,300,000 | 9,311,000 |
| Total capital | 10,594,000 | 10,311,000 | 10,415,000 | 10,438,000 |
| Risk-weighted assets | 82,106,000 | 85,784,000 | 90,257,000 | 94,485,000 |