Call reports 2025
KEY COMMUNITY BANK — 2025
What KEY COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 115,864,000 | 117,957,000 | 108,771,000 | 120,996,000 |
| Total loans | 92,797,000 | 96,507,000 | 94,194,000 | 96,630,000 |
| Allowance for loan losses | 1,136,000 | 1,172,000 | 1,198,000 | 1,234,000 |
| Securities available for sale | 2,990,000 | 2,502,000 | 3,520,000 | 3,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,446,000 | 97,906,000 | 98,204,000 | 109,948,000 |
| Interest-bearing deposits | 70,396,000 | 71,973,000 | 71,461,000 | 85,203,000 |
| Noninterest-bearing deposits | 29,050,000 | 25,933,000 | 26,743,000 | 24,745,000 |
| Equity capital | 9,288,000 | 9,675,000 | 10,061,000 | 10,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,539,000 | 3,185,000 | 4,851,000 | 6,542,000 |
| Interest expense | 414,000 | 885,000 | 1,416,000 | 1,930,000 |
| Net interest income | 1,125,000 | 2,300,000 | 3,435,000 | 4,612,000 |
| Noninterest income | 43,000 | 90,000 | 138,000 | 194,000 |
| Noninterest expense | 739,000 | 1,478,000 | 2,218,000 | 2,876,000 |
| Provision for loan losses | 72,000 | 108,000 | 144,000 | 180,000 |
| Pretax income | 357,000 | 804,000 | 1,211,000 | 1,750,000 |
| Income tax | 0 | 70,000 | 100,000 | 171,000 |
| Net income | 357,000 | 734,000 | 1,111,000 | 1,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,294,000 | 9,671,000 | 10,048,000 | 10,516,000 |
| Total capital | 10,460,000 | 10,850,000 | 11,215,000 | 11,723,000 |
| Risk-weighted assets | 93,584,000 | 94,363,000 | 93,304,000 | 96,579,000 |