Call reports 2002
KEYSTONE SAVINGS BANK — 2002
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 45,585,000 | 42,593,000 | 46,187,000 | 44,762,000 |
| Total loans | 24,873,000 | 27,503,000 | 28,261,000 | 27,466,000 |
| Allowance for loan losses | 389,000 | 367,000 | 372,000 | 381,000 |
| Securities available for sale | 14,749,000 | 12,739,000 | 12,014,000 | 12,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,111,000 | 38,116,000 | 41,165,000 | 39,792,000 |
| Interest-bearing deposits | 36,257,000 | 32,180,000 | 35,276,000 | 32,902,000 |
| Noninterest-bearing deposits | 5,854,000 | 5,936,000 | 5,889,000 | 6,890,000 |
| Equity capital | 3,161,000 | 3,403,000 | 3,556,000 | 3,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 712,000 | 1,441,000 | 2,176,000 | 2,891,000 |
| Interest expense | 295,000 | 560,000 | 814,000 | 1,054,000 |
| Net interest income | 417,000 | 881,000 | 1,362,000 | 1,837,000 |
| Noninterest income | 36,000 | 69,000 | 105,000 | 145,000 |
| Noninterest expense | 315,000 | 625,000 | 933,000 | 1,252,000 |
| Provision for loan losses | 0 | 9,000 | 18,000 | 27,000 |
| Pretax income | 138,000 | 317,000 | 516,000 | 703,000 |
| Income tax | 8,000 | 16,000 | 26,000 | 36,000 |
| Net income | 130,000 | 301,000 | 490,000 | 667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,092,000 | 3,175,000 | 3,255,000 | 3,217,000 |
| Total capital | 3,435,000 | 3,519,000 | 3,613,000 | 3,562,000 |
| Risk-weighted assets | 27,366,000 | 27,536,000 | 28,616,000 | 27,594,000 |
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