Call reports 2003
KEY COMMUNITY BANK — 2003
What KEY COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 68,068,000 | 68,842,000 | 78,825,000 | 76,570,000 |
| Total loans | 51,498,000 | 56,593,000 | 56,407,000 | 58,764,000 |
| Allowance for loan losses | 555,000 | 585,000 | 625,000 | 740,000 |
| Securities available for sale | 6,526,000 | 6,679,000 | 10,998,000 | 7,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,197,000 | 53,629,000 | 65,428,000 | 65,183,000 |
| Interest-bearing deposits | 42,849,000 | 44,991,000 | 54,138,000 | 55,577,000 |
| Noninterest-bearing deposits | 10,348,000 | 8,638,000 | 11,291,000 | 9,606,000 |
| Equity capital | 4,761,000 | 4,801,000 | 5,116,000 | 5,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,059,000 | 2,167,000 | 3,371,000 | 4,542,000 |
| Interest expense | 322,000 | 649,000 | 1,001,000 | 1,374,000 |
| Net interest income | 737,000 | 1,518,000 | 2,370,000 | 3,168,000 |
| Noninterest income | 162,000 | 311,000 | 464,000 | 594,000 |
| Noninterest expense | 556,000 | 1,177,000 | 1,818,000 | 2,431,000 |
| Provision for loan losses | 54,000 | 84,000 | 114,000 | 239,000 |
| Pretax income | 279,000 | 558,000 | 892,000 | 1,082,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 279,000 | 558,000 | 892,000 | 1,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,718,000 | 4,785,000 | 5,118,000 | 5,307,000 |
| Total capital | 5,273,000 | 5,370,000 | 5,733,000 | 5,963,000 |
| Risk-weighted assets | 52,728,000 | 54,967,000 | 53,701,000 | 52,423,000 |