Call reports 2006
KEYSTONE SAVINGS BANK — 2006
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 54,155,000 | 51,362,000 | 54,259,000 | 51,010,000 |
| Total loans | 32,594,000 | 32,530,000 | 33,737,000 | 34,522,000 |
| Allowance for loan losses | 352,000 | 352,000 | 256,000 | 263,000 |
| Securities available for sale | 14,261,000 | 14,412,000 | 13,990,000 | 11,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,576,000 | 44,677,000 | 48,658,000 | 45,799,000 |
| Interest-bearing deposits | 40,972,000 | 34,859,000 | 39,631,000 | 35,652,000 |
| Noninterest-bearing deposits | 8,604,000 | 9,818,000 | 9,027,000 | 10,147,000 |
| Equity capital | 3,831,000 | 3,676,000 | 4,010,000 | 4,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 694,000 | 1,439,000 | 2,188,000 | 2,952,000 |
| Interest expense | 228,000 | 484,000 | 774,000 | 1,063,000 |
| Net interest income | 466,000 | 955,000 | 1,414,000 | 1,889,000 |
| Noninterest income | 60,000 | 119,000 | 176,000 | 238,000 |
| Noninterest expense | 424,000 | 834,000 | 1,245,000 | 1,652,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 102,000 | 240,000 | 345,000 | 471,000 |
| Income tax | 5,000 | 12,000 | 17,000 | 24,000 |
| Net income | 97,000 | 228,000 | 328,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,073,000 | 4,038,000 | 4,132,000 | 4,214,000 |
| Total capital | 4,425,000 | 4,390,000 | 4,388,000 | 4,477,000 |
| Risk-weighted assets | 36,005,000 | 34,139,000 | 35,634,000 | 35,812,000 |
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