Call reports 2010
KEYSOURCE COMMERCIAL BANK — 2010
What KEYSOURCE COMMERCIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 198,630,000 | 206,265,000 | 220,704,000 | 217,866,000 |
| Total loans | 158,587,000 | 168,513,000 | 171,250,000 | 171,619,000 |
| Allowance for loan losses | 2,640,000 | 2,833,000 | 2,601,000 | 2,690,000 |
| Securities available for sale | 19,055,000 | 19,273,000 | 17,870,000 | 17,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,198,000 | 166,609,000 | 177,746,000 | 175,671,000 |
| Interest-bearing deposits | 146,342,000 | 155,604,000 | 165,151,000 | 164,083,000 |
| Noninterest-bearing deposits | 15,856,000 | 11,005,000 | 12,594,000 | 11,588,000 |
| Equity capital | 17,824,000 | 18,444,000 | 19,011,000 | 19,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,380,000 | 4,998,000 | 7,659,000 | 10,308,000 |
| Interest expense | 884,000 | 1,712,000 | 2,563,000 | 3,429,000 |
| Net interest income | 1,496,000 | 3,286,000 | 5,096,000 | 6,879,000 |
| Noninterest income | 239,000 | 505,000 | 804,000 | 1,183,000 |
| Noninterest expense | 1,310,000 | 2,627,000 | 4,014,000 | 5,359,000 |
| Provision for loan losses | 708,000 | 901,000 | 1,384,000 | 1,742,000 |
| Pretax income | -283,000 | 263,000 | 338,000 | 733,000 |
| Income tax | 0 | 0 | -353,000 | -201,000 |
| Net income | -283,000 | 263,000 | 691,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,946,000 | 18,558,000 | 19,050,000 | 19,358,000 |
| Total capital | 20,623,000 | 23,644,000 | 27,260,000 | 27,582,000 |
| Risk-weighted assets | 169,139,000 | 181,849,000 | 176,459,000 | 177,569,000 |