Call reports 2005
KEY COMMUNITY BANK — 2005
What KEY COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 89,002,000 | 96,550,000 | 96,652,000 | 102,074,000 |
| Total loans | 73,548,000 | 80,733,000 | 78,469,000 | 81,312,000 |
| Allowance for loan losses | 815,000 | 895,000 | 987,000 | 1,277,000 |
| Securities available for sale | 3,955,000 | 4,946,000 | 6,436,000 | 8,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,547,000 | 80,576,000 | 80,129,000 | 85,178,000 |
| Interest-bearing deposits | 63,735,000 | 70,355,000 | 69,196,000 | 71,001,000 |
| Noninterest-bearing deposits | 11,812,000 | 10,221,000 | 10,933,000 | 14,177,000 |
| Equity capital | 6,431,000 | 6,456,000 | 6,908,000 | 7,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,273,000 | 2,709,000 | 4,255,000 | 5,895,000 |
| Interest expense | 415,000 | 918,000 | 1,490,000 | 2,098,000 |
| Net interest income | 858,000 | 1,791,000 | 2,765,000 | 3,797,000 |
| Noninterest income | 229,000 | 533,000 | 889,000 | 1,206,000 |
| Noninterest expense | 694,000 | 1,460,000 | 2,323,000 | 3,203,000 |
| Provision for loan losses | 57,000 | 128,000 | 154,000 | 390,000 |
| Pretax income | 336,000 | 736,000 | 1,177,000 | 1,410,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 336,000 | 734,000 | 1,175,000 | 1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,478,000 | 6,503,000 | 6,945,000 | 7,176,000 |
| Total capital | 7,241,000 | 7,341,000 | 7,773,000 | 8,064,000 |
| Risk-weighted assets | 61,010,000 | 66,437,000 | 65,750,000 | 70,520,000 |