Call reports 2016
KEYSAVINGS BANK — 2016
What KEYSAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 75,445,000 | 76,243,000 | 76,237,000 | 75,818,000 |
| Total loans | 36,787,000 | 37,711,000 | 38,969,000 | 38,918,000 |
| Allowance for loan losses | 209,000 | 215,000 | 163,000 | 170,000 |
| Securities available for sale | 29,331,000 | 29,740,000 | 27,784,000 | 27,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,456,000 | 62,620,000 | 62,628,000 | 62,129,000 |
| Interest-bearing deposits | 61,241,000 | 61,375,000 | 61,495,000 | 60,923,000 |
| Noninterest-bearing deposits | 1,215,000 | 1,245,000 | 1,133,000 | 1,206,000 |
| Equity capital | 11,196,000 | 11,267,000 | 11,356,000 | 10,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 530,000 | 1,065,000 | 1,605,000 | 2,135,000 |
| Interest expense | 71,000 | 146,000 | 220,000 | 295,000 |
| Net interest income | 459,000 | 919,000 | 1,385,000 | 1,840,000 |
| Noninterest income | 55,000 | 154,000 | 243,000 | 299,000 |
| Noninterest expense | 496,000 | 1,048,000 | 1,521,000 | 2,020,000 |
| Provision for loan losses | 5,000 | 11,000 | 19,000 | 26,000 |
| Pretax income | 13,000 | 14,000 | 88,000 | 93,000 |
| Income tax | -15,000 | -15,000 | -14,000 | -4,000 |
| Net income | 28,000 | 29,000 | 102,000 | 97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,984,000 | 10,985,000 | 11,058,000 | 11,054,000 |
| Total capital | 11,193,000 | 11,200,000 | 11,221,000 | 11,224,000 |
| Risk-weighted assets | 27,268,000 | 27,856,000 | 28,344,000 | 27,993,000 |