Call reports 2004
KEYSTONE SAVINGS BANK — 2004
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,556,000 | 48,672,000 | 52,095,000 | 50,631,000 |
| Total loans | 27,355,000 | 28,288,000 | 30,309,000 | 31,120,000 |
| Allowance for loan losses | 370,000 | 358,000 | 357,000 | 359,000 |
| Securities available for sale | 16,487,000 | 16,793,000 | 16,319,000 | 15,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,402,000 | 43,982,000 | 45,893,000 | 45,434,000 |
| Interest-bearing deposits | 38,768,000 | 35,671,000 | 37,728,000 | 36,254,000 |
| Noninterest-bearing deposits | 7,634,000 | 8,311,000 | 8,165,000 | 9,180,000 |
| Equity capital | 3,969,000 | 3,540,000 | 3,789,000 | 3,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 634,000 | 1,275,000 | 1,971,000 | 2,642,000 |
| Interest expense | 190,000 | 378,000 | 556,000 | 730,000 |
| Net interest income | 444,000 | 897,000 | 1,415,000 | 1,912,000 |
| Noninterest income | 36,000 | 70,000 | 110,000 | 150,000 |
| Noninterest expense | 395,000 | 785,000 | 1,191,000 | 1,631,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 82,000 | 179,000 | 331,000 | 428,000 |
| Income tax | 4,000 | 8,000 | 17,000 | 20,000 |
| Net income | 78,000 | 171,000 | 314,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,665,000 | 3,621,000 | 3,710,000 | 3,802,000 |
| Total capital | 4,035,000 | 3,979,000 | 4,067,000 | 4,161,000 |
| Risk-weighted assets | 30,502,000 | 31,446,000 | 33,347,000 | 33,644,000 |
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