Call reports 2008
KEYSOURCE COMMERCIAL BANK — 2008
What KEYSOURCE COMMERCIAL BANK 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 | 84,002,000 | 104,665,000 | 123,598,000 | 143,629,000 |
| Total loans | 60,679,000 | 84,289,000 | 102,346,000 | 120,461,000 |
| Allowance for loan losses | 876,000 | 1,171,000 | 1,397,000 | 1,525,000 |
| Securities available for sale | 16,836,000 | 15,647,000 | 16,307,000 | 18,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,143,000 | 76,782,000 | 96,761,000 | 114,051,000 |
| Interest-bearing deposits | 55,115,000 | 73,345,000 | 92,446,000 | 108,625,000 |
| Noninterest-bearing deposits | 4,029,000 | 3,437,000 | 4,315,000 | 5,426,000 |
| Equity capital | 16,791,000 | 16,201,000 | 16,273,000 | 16,411,000 |
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 | 1,180,000 | 2,552,000 | 4,310,000 | 6,228,000 |
| Interest expense | 507,000 | 1,075,000 | 1,856,000 | 2,779,000 |
| Net interest income | 673,000 | 1,477,000 | 2,454,000 | 3,449,000 |
| Noninterest income | 186,000 | 298,000 | 523,000 | 729,000 |
| Noninterest expense | 871,000 | 1,810,000 | 2,842,000 | 3,942,000 |
| Provision for loan losses | 173,000 | 468,000 | 694,000 | 830,000 |
| Pretax income | -185,000 | -503,000 | -559,000 | -594,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -185,000 | -503,000 | -559,000 | -594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,643,000 | 16,384,000 | 16,398,000 | 16,431,000 |
| Total capital | 17,519,000 | 17,555,000 | 17,795,000 | 17,956,000 |
| Risk-weighted assets | 71,645,000 | 98,336,000 | 118,064,000 | 135,613,000 |