Call reports 2007
KEYSTONE SAVINGS BANK — 2007
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 57,081,000 | 50,502,000 | 57,413,000 | 56,799,000 |
| Total loans | 32,907,000 | 34,258,000 | 36,416,000 | 36,832,000 |
| Allowance for loan losses | 269,000 | 222,000 | 217,000 | 223,000 |
| Securities available for sale | 11,890,000 | 12,565,000 | 13,156,000 | 13,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,028,000 | 45,913,000 | 52,147,000 | 51,216,000 |
| Interest-bearing deposits | 41,803,000 | 36,217,000 | 40,389,000 | 39,932,000 |
| Noninterest-bearing deposits | 10,225,000 | 9,696,000 | 11,758,000 | 11,284,000 |
| Equity capital | 4,248,000 | 4,068,000 | 4,905,000 | 5,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 733,000 | 1,549,000 | 2,377,000 | 3,263,000 |
| Interest expense | 289,000 | 617,000 | 933,000 | 1,272,000 |
| Net interest income | 444,000 | 932,000 | 1,444,000 | 1,991,000 |
| Noninterest income | 54,000 | 102,000 | 151,000 | 203,000 |
| Noninterest expense | 403,000 | 819,000 | 1,267,000 | 1,777,000 |
| Provision for loan losses | 8,000 | 15,000 | 24,000 | 34,000 |
| Pretax income | 87,000 | 200,000 | 304,000 | 383,000 |
| Income tax | 5,000 | 12,000 | 20,000 | 25,000 |
| Net income | 82,000 | 188,000 | 284,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,282,000 | 4,247,000 | 4,937,000 | 5,124,000 |
| Total capital | 4,551,000 | 4,469,000 | 5,154,000 | 5,347,000 |
| Risk-weighted assets | 34,585,000 | 34,239,000 | 38,841,000 | 39,029,000 |
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