Call reports 2009
KEYSTONE SAVINGS BANK — 2009
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 69,458,000 | 64,736,000 | 69,244,000 | 65,979,000 |
| Total loans | 41,942,000 | 42,620,000 | 40,528,000 | 39,521,000 |
| Allowance for loan losses | 288,000 | 281,000 | 364,000 | 342,000 |
| Securities available for sale | 15,080,000 | 16,200,000 | 18,973,000 | 19,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,430,000 | 58,434,000 | 62,679,000 | 59,914,000 |
| Interest-bearing deposits | 49,742,000 | 44,535,000 | 49,706,000 | 44,537,000 |
| Noninterest-bearing deposits | 13,688,000 | 13,899,000 | 12,973,000 | 15,377,000 |
| Equity capital | 5,730,000 | 5,893,000 | 6,154,000 | 5,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 875,000 | 1,770,000 | 2,632,000 | 3,664,000 |
| Interest expense | 286,000 | 564,000 | 829,000 | 1,081,000 |
| Net interest income | 589,000 | 1,206,000 | 1,803,000 | 2,583,000 |
| Noninterest income | 60,000 | 128,000 | 201,000 | 276,000 |
| Noninterest expense | 523,000 | 1,058,000 | 1,654,000 | 2,254,000 |
| Provision for loan losses | 26,000 | 53,000 | 140,000 | 589,000 |
| Pretax income | 100,000 | 223,000 | 210,000 | 16,000 |
| Income tax | 5,000 | 11,000 | 16,000 | 2,000 |
| Net income | 95,000 | 212,000 | 194,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,476,000 | 5,519,000 | 5,501,000 | 5,321,000 |
| Total capital | 5,764,000 | 5,800,000 | 5,865,000 | 5,663,000 |
| Risk-weighted assets | 46,078,000 | 47,232,000 | 47,276,000 | 46,010,000 |