Call reports 2005
KEEN BANK, NATIONAL ASSOCIATION — 2005
What KEEN BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 110,721,000 | 109,420,000 | 109,855,000 | 113,286,000 |
| Total loans | 87,734,000 | 87,886,000 | 88,614,000 | 87,780,000 |
| Allowance for loan losses | 1,129,000 | 1,132,000 | 1,149,000 | 1,113,000 |
| Securities available for sale | 8,576,000 | 9,719,000 | 9,598,000 | 10,170,000 |
| Securities held to maturity | 7,000 | 6,000 | 6,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,635,000 | 86,281,000 | 85,342,000 | 93,316,000 |
| Interest-bearing deposits | 77,193,000 | 74,446,000 | 72,714,000 | 77,040,000 |
| Noninterest-bearing deposits | 11,442,000 | 11,835,000 | 12,628,000 | 16,276,000 |
| Equity capital | 10,776,000 | 10,739,000 | 10,792,000 | 10,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,549,000 | 3,103,000 | 4,726,000 | 6,333,000 |
| Interest expense | 413,000 | 852,000 | 1,315,000 | 1,804,000 |
| Net interest income | 1,136,000 | 2,251,000 | 3,411,000 | 4,529,000 |
| Noninterest income | 191,000 | 403,000 | 647,000 | 828,000 |
| Noninterest expense | 915,000 | 1,778,000 | 2,666,000 | 3,578,000 |
| Provision for loan losses | 5,000 | 5,000 | 25,000 | 25,000 |
| Pretax income | 458,000 | 922,000 | 1,418,000 | 1,805,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 456,000 | 920,000 | 1,416,000 | 1,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,567,000 | 9,482,000 | 9,603,000 | 9,566,000 |
| Total capital | 10,604,000 | 10,527,000 | 10,629,000 | 10,662,000 |
| Risk-weighted assets | 84,033,000 | 84,753,000 | 83,624,000 | 87,682,000 |