Call reports 2012
KEYSOURCE COMMERCIAL BANK — 2012
What KEYSOURCE COMMERCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Total assets | 194,974,000 | 182,866,000 |
| Total loans | 149,073,000 | 140,683,000 |
| Allowance for loan losses | 2,486,000 | 2,303,000 |
| Securities available for sale | 17,795,000 | 15,999,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 157,927,000 | 152,859,000 |
| Interest-bearing deposits | 144,405,000 | 135,930,000 |
| Noninterest-bearing deposits | 13,522,000 | 16,929,000 |
| Equity capital | 22,720,000 | 21,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Interest income | 2,174,000 | 4,282,000 |
| Interest expense | 622,000 | 1,217,000 |
| Net interest income | 1,552,000 | 3,065,000 |
| Noninterest income | 553,000 | 865,000 |
| Noninterest expense | 1,510,000 | 3,071,000 |
| Provision for loan losses | 198,000 | 1,785,000 |
| Pretax income | 385,000 | -1,081,000 |
| Income tax | 148,000 | -417,000 |
| Net income | 237,000 | -664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Tier 1 capital | 22,606,000 | 21,708,000 |
| Total capital | 28,180,000 | 27,174,000 |
| Risk-weighted assets | 160,364,000 | 151,731,000 |