Call reports 2013
KEY COMMUNITY BANK — 2013
What KEY COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 42,957,000 | 42,290,000 | 42,726,000 | 41,889,000 |
| Total loans | 26,326,000 | 25,607,000 | 23,179,000 | 23,972,000 |
| Allowance for loan losses | 1,053,000 | 925,000 | 897,000 | 904,000 |
| Securities available for sale | 4,619,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,602,000 | 39,098,000 | 39,571,000 | 38,967,000 |
| Interest-bearing deposits | 28,577,000 | 28,065,000 | 26,590,000 | 25,979,000 |
| Noninterest-bearing deposits | 11,025,000 | 11,033,000 | 12,981,000 | 12,988,000 |
| Equity capital | 2,858,000 | 3,060,000 | 2,990,000 | 2,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 397,000 | 770,000 | 1,129,000 | 1,462,000 |
| Interest expense | 35,000 | 66,000 | 95,000 | 121,000 |
| Net interest income | 362,000 | 704,000 | 1,034,000 | 1,341,000 |
| Noninterest income | -145,000 | 319,000 | 371,000 | 373,000 |
| Noninterest expense | 430,000 | 1,028,000 | 1,486,000 | 1,966,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -213,000 | -12,000 | -81,000 | -259,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -214,000 | -13,000 | -82,000 | -260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,859,000 | 3,060,000 | 2,990,000 | 2,813,000 |
| Total capital | 3,258,000 | 3,414,000 | 3,312,000 | 3,142,000 |
| Risk-weighted assets | 31,258,000 | 27,741,000 | 25,131,000 | 25,762,000 |