Call reports 2013
KEYSAVINGS BANK — 2013
What KEYSAVINGS 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 | 79,568,000 | 79,871,000 | 78,826,000 | 78,780,000 |
| Total loans | 35,709,000 | 35,083,000 | 36,159,000 | 35,910,000 |
| Allowance for loan losses | 216,000 | 224,000 | 232,000 | 200,000 |
| Securities available for sale | 29,728,000 | 30,901,000 | 32,563,000 | 32,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,348,000 | 67,962,000 | 67,155,000 | 67,183,000 |
| Interest-bearing deposits | 66,367,000 | 66,890,000 | 65,901,000 | 66,187,000 |
| Noninterest-bearing deposits | 981,000 | 1,072,000 | 1,254,000 | 996,000 |
| Equity capital | 11,423,000 | 11,235,000 | 11,076,000 | 11,039,000 |
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 | 534,000 | 1,031,000 | 1,536,000 | 2,086,000 |
| Interest expense | 128,000 | 245,000 | 357,000 | 465,000 |
| Net interest income | 406,000 | 786,000 | 1,179,000 | 1,621,000 |
| Noninterest income | 54,000 | 112,000 | 156,000 | 217,000 |
| Noninterest expense | 565,000 | 1,084,000 | 1,573,000 | 2,051,000 |
| Provision for loan losses | 6,000 | 14,000 | 22,000 | 43,000 |
| Pretax income | -111,000 | -200,000 | -260,000 | -256,000 |
| Income tax | -42,000 | -76,000 | -100,000 | -98,000 |
| Net income | -69,000 | -124,000 | -160,000 | -158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,055,000 | 11,000,000 | 10,964,000 | 10,966,000 |
| Total capital | 11,271,000 | 11,224,000 | 11,196,000 | 11,166,000 |
| Risk-weighted assets | 31,781,000 | 31,056,000 | 31,573,000 | 31,590,000 |