Call reports 2005
KEYSAVINGS BANK — 2005
What KEYSAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 72,557,000 | 72,234,000 | 72,877,000 | 71,786,000 |
| Total loans | 47,581,000 | 47,503,000 | 47,130,000 | 48,265,000 |
| Allowance for loan losses | 304,000 | 310,000 | 299,000 | 294,000 |
| Securities available for sale | 7,614,000 | 6,455,000 | 6,863,000 | 6,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,927,000 | 53,290,000 | 53,723,000 | 52,472,000 |
| Interest-bearing deposits | 53,486,000 | 52,765,000 | 53,264,000 | 51,801,000 |
| Noninterest-bearing deposits | 441,000 | 525,000 | 459,000 | 671,000 |
| Equity capital | 10,931,000 | 11,100,000 | 11,204,000 | 11,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 945,000 | 1,887,000 | 2,863,000 | 3,793,000 |
| Interest expense | 397,000 | 809,000 | 1,249,000 | 1,710,000 |
| Net interest income | 548,000 | 1,078,000 | 1,614,000 | 2,083,000 |
| Noninterest income | 47,000 | 87,000 | 110,000 | 132,000 |
| Noninterest expense | 364,000 | 716,000 | 1,054,000 | 1,390,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 225,000 | 437,000 | 652,000 | 801,000 |
| Income tax | 86,000 | 166,000 | 242,000 | 298,000 |
| Net income | 139,000 | 271,000 | 410,000 | 503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,004,000 | 11,135,000 | 11,275,000 | 11,368,000 |
| Total capital | 11,308,000 | 11,445,000 | 11,574,000 | 11,662,000 |
| Risk-weighted assets | 35,889,000 | 35,993,000 | 36,023,000 | 36,081,000 |