Call reports 2015
KEYSAVINGS BANK — 2015
What KEYSAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 77,486,000 | 75,446,000 | 75,818,000 | 75,280,000 |
| Total loans | 34,758,000 | 34,972,000 | 35,773,000 | 36,226,000 |
| Allowance for loan losses | 236,000 | 236,000 | 211,000 | 207,000 |
| Securities available for sale | 31,880,000 | 30,412,000 | 28,564,000 | 26,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,190,000 | 63,572,000 | 63,823,000 | 63,566,000 |
| Interest-bearing deposits | 64,013,000 | 62,349,000 | 62,397,000 | 62,251,000 |
| Noninterest-bearing deposits | 1,177,000 | 1,223,000 | 1,426,000 | 1,315,000 |
| Equity capital | 11,252,000 | 11,066,000 | 11,210,000 | 11,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 542,000 | 1,076,000 | 1,608,000 | 2,129,000 |
| Interest expense | 82,000 | 160,000 | 239,000 | 314,000 |
| Net interest income | 460,000 | 916,000 | 1,369,000 | 1,815,000 |
| Noninterest income | 59,000 | 112,000 | 177,000 | 224,000 |
| Noninterest expense | 554,000 | 1,098,000 | 1,566,000 | 2,050,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 9,000 |
| Pretax income | -38,000 | -73,000 | -23,000 | -20,000 |
| Income tax | -23,000 | -37,000 | -18,000 | -12,000 |
| Net income | -15,000 | -36,000 | -5,000 | -8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,412,000 | 10,845,000 | 10,773,000 | 10,957,000 |
| Total capital | 11,648,000 | 11,081,000 | 10,984,000 | 11,164,000 |
| Risk-weighted assets | 29,581,000 | 25,599,000 | 25,875,000 | 26,885,000 |