Call reports 2009
KEY COMMUNITY BANK — 2009
What KEY COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 72,979,000 | 68,232,000 | 71,747,000 | 68,429,000 |
| Total loans | 50,535,000 | 50,022,000 | 49,084,000 | 49,245,000 |
| Allowance for loan losses | 567,000 | 414,000 | 417,000 | 623,000 |
| Securities available for sale | 13,823,000 | 9,677,000 | 13,649,000 | 13,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,026,000 | 46,172,000 | 47,108,000 | 47,540,000 |
| Interest-bearing deposits | 36,966,000 | 35,862,000 | 34,874,000 | 36,419,000 |
| Noninterest-bearing deposits | 10,060,000 | 10,310,000 | 12,234,000 | 11,121,000 |
| Equity capital | 7,477,000 | 7,441,000 | 7,467,000 | 7,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 858,000 | 1,702,000 | 2,549,000 | 3,367,000 |
| Interest expense | 234,000 | 445,000 | 637,000 | 808,000 |
| Net interest income | 624,000 | 1,257,000 | 1,912,000 | 2,559,000 |
| Noninterest income | 91,000 | 72,000 | 115,000 | -41,000 |
| Noninterest expense | 652,000 | 1,296,000 | 1,922,000 | 2,524,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 249,000 |
| Pretax income | 48,000 | 8,000 | 80,000 | -255,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 48,000 | 8,000 | 80,000 | -255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,447,000 | 7,408,000 | 7,479,000 | 7,144,000 |
| Total capital | 8,014,000 | 7,822,000 | 7,896,000 | 7,768,000 |
| Risk-weighted assets | 58,111,000 | 56,861,000 | 56,819,000 | 55,973,000 |