Call reports 2004
KEYSAVINGS BANK — 2004
What KEYSAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 71,408,000 | 72,187,000 | 72,526,000 | 71,464,000 |
| Total loans | 48,319,000 | 48,467,000 | 48,714,000 | 48,184,000 |
| Allowance for loan losses | 226,000 | 250,000 | 265,000 | 300,000 |
| Securities available for sale | 9,472,000 | 7,369,000 | 6,513,000 | 8,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,349,000 | 55,064,000 | 55,300,000 | 53,990,000 |
| Interest-bearing deposits | 53,899,000 | 54,516,000 | 54,769,000 | 53,552,000 |
| Noninterest-bearing deposits | 450,000 | 548,000 | 531,000 | 438,000 |
| Equity capital | 10,552,000 | 10,563,000 | 10,697,000 | 10,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 940,000 | 1,845,000 | 2,728,000 | 3,684,000 |
| Interest expense | 416,000 | 820,000 | 1,220,000 | 1,618,000 |
| Net interest income | 524,000 | 1,025,000 | 1,508,000 | 2,066,000 |
| Noninterest income | 20,000 | 49,000 | 72,000 | 99,000 |
| Noninterest expense | 349,000 | 697,000 | 1,029,000 | 1,362,000 |
| Provision for loan losses | 15,000 | 40,000 | 55,000 | 90,000 |
| Pretax income | 180,000 | 337,000 | 496,000 | 713,000 |
| Income tax | 75,000 | 129,000 | 190,000 | 272,000 |
| Net income | 105,000 | 208,000 | 306,000 | 441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,529,000 | 10,632,000 | 10,730,000 | 10,865,000 |
| Total capital | 10,755,000 | 10,882,000 | 10,995,000 | 11,165,000 |
| Risk-weighted assets | 35,783,000 | 36,120,000 | 35,882,000 | 35,689,000 |