Call reports 2009
KEYSOURCE COMMERCIAL BANK — 2009
What KEYSOURCE COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 166,782,000 | 178,624,000 | 184,850,000 | 192,553,000 |
| Total loans | 139,723,000 | 148,327,000 | 150,362,000 | 156,580,000 |
| Allowance for loan losses | 1,827,000 | 1,849,000 | 1,863,000 | 1,932,000 |
| Securities available for sale | 17,325,000 | 18,282,000 | 18,475,000 | 18,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,014,000 | 143,759,000 | 148,538,000 | 157,039,000 |
| Interest-bearing deposits | 129,358,000 | 136,422,000 | 141,373,000 | 145,860,000 |
| Noninterest-bearing deposits | 5,656,000 | 7,337,000 | 7,165,000 | 11,179,000 |
| Equity capital | 16,334,000 | 16,611,000 | 17,703,000 | 18,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,044,000 | 4,242,000 | 6,643,000 | 9,036,000 |
| Interest expense | 918,000 | 1,802,000 | 2,730,000 | 3,626,000 |
| Net interest income | 1,126,000 | 2,440,000 | 3,913,000 | 5,410,000 |
| Noninterest income | 401,000 | 908,000 | 1,309,000 | 1,781,000 |
| Noninterest expense | 1,156,000 | 2,539,000 | 3,754,000 | 5,260,000 |
| Provision for loan losses | 349,000 | 440,000 | 454,000 | 606,000 |
| Pretax income | 117,000 | 464,000 | 1,109,000 | 1,420,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 117,000 | 464,000 | 1,109,000 | 1,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,621,000 | 17,038,000 | 17,789,000 | 18,164,000 |
| Total capital | 18,448,000 | 18,887,000 | 19,652,000 | 20,096,000 |
| Risk-weighted assets | 151,906,000 | 161,773,000 | 161,017,000 | 168,132,000 |