Call reports 2008
KEY COMMUNITY BANK — 2008
What KEY COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 79,658,000 | 73,339,000 | 73,109,000 | 71,961,000 |
| Total loans | 46,086,000 | 48,726,000 | 49,109,000 | 50,597,000 |
| Allowance for loan losses | 998,000 | 544,000 | 585,000 | 700,000 |
| Securities available for sale | 17,124,000 | 15,067,000 | 16,015,000 | 13,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,409,000 | 53,192,000 | 52,570,000 | 46,518,000 |
| Interest-bearing deposits | 53,393,000 | 43,032,000 | 40,822,000 | 36,269,000 |
| Noninterest-bearing deposits | 11,016,000 | 10,160,000 | 11,748,000 | 10,249,000 |
| Equity capital | 7,478,000 | 7,343,000 | 7,401,000 | 7,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,130,000 | 2,122,000 | 3,131,000 | 4,036,000 |
| Interest expense | 504,000 | 892,000 | 1,209,000 | 1,492,000 |
| Net interest income | 626,000 | 1,230,000 | 1,922,000 | 2,544,000 |
| Noninterest income | 54,000 | 121,000 | 210,000 | 302,000 |
| Noninterest expense | 637,000 | 1,249,000 | 1,869,000 | 2,476,000 |
| Provision for loan losses | 0 | 221,000 | 261,000 | 376,000 |
| Pretax income | 43,000 | -119,000 | 2,000 | 7,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 43,000 | -119,000 | 2,000 | 7,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,307,000 | 7,248,000 | 7,369,000 | 7,398,000 |
| Total capital | 7,994,000 | 7,792,000 | 7,954,000 | 8,098,000 |
| Risk-weighted assets | 55,487,000 | 58,225,000 | 56,740,000 | 57,898,000 |