Call reports 2008
KEYSTONE SAVINGS BANK — 2008
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 61,855,000 | 57,134,000 | 65,572,000 | 63,166,000 |
| Total loans | 34,011,000 | 35,485,000 | 40,397,000 | 41,115,000 |
| Allowance for loan losses | 246,000 | 259,000 | 263,000 | 262,000 |
| Securities available for sale | 15,617,000 | 15,965,000 | 15,478,000 | 16,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,917,000 | 51,410,000 | 59,708,000 | 57,125,000 |
| Interest-bearing deposits | 43,519,000 | 38,910,000 | 45,909,000 | 42,587,000 |
| Noninterest-bearing deposits | 12,398,000 | 12,500,000 | 13,799,000 | 14,538,000 |
| Equity capital | 5,558,000 | 5,347,000 | 5,474,000 | 5,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 832,000 | 1,682,000 | 2,545,000 | 3,427,000 |
| Interest expense | 321,000 | 639,000 | 958,000 | 1,279,000 |
| Net interest income | 511,000 | 1,043,000 | 1,587,000 | 2,148,000 |
| Noninterest income | 57,000 | 117,000 | 186,000 | 248,000 |
| Noninterest expense | 452,000 | 907,000 | 1,397,000 | 1,933,000 |
| Provision for loan losses | 12,000 | 24,000 | 45,000 | 168,000 |
| Pretax income | 104,000 | 229,000 | 331,000 | 295,000 |
| Income tax | 5,000 | 11,000 | 17,000 | 17,000 |
| Net income | 99,000 | 218,000 | 314,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,222,000 | 5,321,000 | 5,417,000 | 5,381,000 |
| Total capital | 5,468,000 | 5,580,000 | 5,680,000 | 5,643,000 |
| Risk-weighted assets | 38,623,000 | 39,978,000 | 44,245,000 | 44,423,000 |
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