Call reports 2003
KEYSAVINGS BANK — 2003
What KEYSAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 71,964,000 | 72,807,000 | 72,434,000 | 72,204,000 |
| Total loans | 48,559,000 | 48,706,000 | 47,451,000 | 47,600,000 |
| Allowance for loan losses | 229,000 | 244,000 | 253,000 | 268,000 |
| Securities available for sale | 8,058,000 | 7,745,000 | 8,945,000 | 9,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,173,000 | 55,956,000 | 55,602,000 | 55,338,000 |
| Interest-bearing deposits | 54,291,000 | 54,823,000 | 54,932,000 | 54,765,000 |
| Noninterest-bearing deposits | 882,000 | 1,133,000 | 670,000 | 573,000 |
| Equity capital | 10,202,000 | 10,265,000 | 10,287,000 | 10,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 952,000 | 1,844,000 | 2,733,000 | 3,640,000 |
| Interest expense | 489,000 | 961,000 | 1,422,000 | 1,865,000 |
| Net interest income | 463,000 | 883,000 | 1,311,000 | 1,775,000 |
| Noninterest income | 44,000 | 101,000 | 157,000 | 182,000 |
| Noninterest expense | 336,000 | 665,000 | 1,001,000 | 1,343,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 156,000 | 289,000 | 422,000 | 554,000 |
| Income tax | 57,000 | 105,000 | 156,000 | 206,000 |
| Net income | 99,000 | 184,000 | 266,000 | 348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,175,000 | 10,260,000 | 10,342,000 | 10,424,000 |
| Total capital | 10,404,000 | 10,504,000 | 10,595,000 | 10,692,000 |
| Risk-weighted assets | 35,361,000 | 35,887,000 | 35,589,000 | 35,438,000 |