Call reports 2004
KEY COMMUNITY BANK — 2004
What KEY COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 79,108,000 | 77,287,000 | 80,916,000 | 81,759,000 |
| Total loans | 60,312,000 | 63,928,000 | 68,464,000 | 70,434,000 |
| Allowance for loan losses | 746,000 | 800,000 | 800,000 | 762,000 |
| Securities available for sale | 3,013,000 | 6,471,000 | 3,472,000 | 3,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,835,000 | 65,538,000 | 69,378,000 | 70,241,000 |
| Interest-bearing deposits | 56,574,000 | 54,768,000 | 59,365,000 | 60,747,000 |
| Noninterest-bearing deposits | 10,261,000 | 10,770,000 | 10,013,000 | 9,494,000 |
| Equity capital | 5,618,000 | 5,633,000 | 5,961,000 | 6,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,128,000 | 2,051,000 | 3,230,000 | 4,434,000 |
| Interest expense | 354,000 | 702,000 | 1,068,000 | 1,464,000 |
| Net interest income | 774,000 | 1,349,000 | 2,162,000 | 2,970,000 |
| Noninterest income | 134,000 | 505,000 | 838,000 | 1,223,000 |
| Noninterest expense | 618,000 | 1,284,000 | 2,113,000 | 2,886,000 |
| Provision for loan losses | 6,000 | 91,000 | 91,000 | 364,000 |
| Pretax income | 284,000 | 690,000 | 1,005,000 | 1,151,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 284,000 | 690,000 | 1,005,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,622,000 | 5,682,000 | 5,998,000 | 6,142,000 |
| Total capital | 6,299,000 | 6,359,000 | 6,702,000 | 6,859,000 |
| Risk-weighted assets | 54,022,000 | 53,779,000 | 56,279,000 | 57,286,000 |