Call reports 2011
KEYSOURCE COMMERCIAL BANK — 2011
What KEYSOURCE COMMERCIAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 225,211,000 | 217,023,000 | 205,794,000 | 196,393,000 |
| Total loans | 173,856,000 | 163,239,000 | 157,267,000 | 153,512,000 |
| Allowance for loan losses | 3,138,000 | 1,890,000 | 2,221,000 | 2,343,000 |
| Securities available for sale | 18,915,000 | 18,237,000 | 17,529,000 | 16,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,772,000 | 177,286,000 | 165,861,000 | 154,103,000 |
| Interest-bearing deposits | 175,283,000 | 164,512,000 | 152,995,000 | 140,172,000 |
| Noninterest-bearing deposits | 10,489,000 | 12,774,000 | 12,866,000 | 13,931,000 |
| Equity capital | 19,471,000 | 21,765,000 | 22,342,000 | 22,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,587,000 | 5,000,000 | 7,352,000 | 9,672,000 |
| Interest expense | 826,000 | 1,673,000 | 2,405,000 | 3,067,000 |
| Net interest income | 1,761,000 | 3,327,000 | 4,947,000 | 6,605,000 |
| Noninterest income | 346,000 | 928,000 | 1,257,000 | 1,623,000 |
| Noninterest expense | 1,386,000 | 2,970,000 | 4,236,000 | 5,773,000 |
| Provision for loan losses | 446,000 | 826,000 | 1,278,000 | 1,428,000 |
| Pretax income | 250,000 | 383,000 | 564,000 | 888,000 |
| Income tax | 154,000 | 205,000 | 275,000 | 400,000 |
| Net income | 96,000 | 178,000 | 289,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,479,000 | 21,604,000 | 22,162,000 | 22,365,000 |
| Total capital | 27,721,000 | 27,493,000 | 27,769,000 | 27,913,000 |
| Risk-weighted assets | 178,536,000 | 168,821,000 | 163,297,000 | 158,324,000 |