Call reports 2007
KEY COMMUNITY BANK — 2007
What KEY COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 88,521,000 | 89,260,000 | 85,800,000 | 81,836,000 |
| Total loans | 52,415,000 | 48,261,000 | 46,564,000 | 46,752,000 |
| Allowance for loan losses | 1,430,000 | 1,338,000 | 1,196,000 | 1,108,000 |
| Securities available for sale | 21,152,000 | 23,896,000 | 26,961,000 | 27,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,285,000 | 74,041,000 | 68,932,000 | 66,364,000 |
| Interest-bearing deposits | 65,713,000 | 61,781,000 | 58,831,000 | 55,882,000 |
| Noninterest-bearing deposits | 10,572,000 | 12,260,000 | 10,101,000 | 10,482,000 |
| Equity capital | 7,014,000 | 7,136,000 | 7,315,000 | 7,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,421,000 | 2,899,000 | 4,311,000 | 5,594,000 |
| Interest expense | 627,000 | 1,284,000 | 1,928,000 | 2,507,000 |
| Net interest income | 794,000 | 1,615,000 | 2,383,000 | 3,087,000 |
| Noninterest income | 65,000 | 129,000 | 186,000 | 234,000 |
| Noninterest expense | 688,000 | 1,417,000 | 2,125,000 | 2,771,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 171,000 | 327,000 | 444,000 | 450,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 171,000 | 327,000 | 444,000 | 450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,984,000 | 7,140,000 | 7,258,000 | 7,264,000 |
| Total capital | 7,688,000 | 7,827,000 | 7,966,000 | 7,987,000 |
| Risk-weighted assets | 55,965,000 | 54,874,000 | 56,197,000 | 57,931,000 |