Call reports 2010
KEYSTONE SAVINGS BANK — 2010
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 72,693,000 | 66,637,000 | 71,245,000 | 72,335,000 |
| Total loans | 39,887,000 | 41,600,000 | 43,112,000 | 43,376,000 |
| Allowance for loan losses | 360,000 | 382,000 | 408,000 | 433,000 |
| Securities available for sale | 21,081,000 | 20,064,000 | 19,270,000 | 18,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,615,000 | 58,539,000 | 64,585,000 | 66,171,000 |
| Interest-bearing deposits | 53,080,000 | 45,110,000 | 51,116,000 | 48,666,000 |
| Noninterest-bearing deposits | 13,535,000 | 13,429,000 | 13,469,000 | 17,505,000 |
| Equity capital | 5,793,000 | 6,037,000 | 6,331,000 | 5,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 828,000 | 1,688,000 | 2,549,000 | 3,441,000 |
| Interest expense | 222,000 | 449,000 | 672,000 | 881,000 |
| Net interest income | 606,000 | 1,239,000 | 1,877,000 | 2,560,000 |
| Noninterest income | 61,000 | 136,000 | 212,000 | 307,000 |
| Noninterest expense | 573,000 | 1,158,000 | 1,721,000 | 2,319,000 |
| Provision for loan losses | 26,000 | 51,000 | 74,000 | 95,000 |
| Pretax income | 68,000 | 166,000 | 294,000 | 453,000 |
| Income tax | 3,000 | 8,000 | 15,000 | 23,000 |
| Net income | 65,000 | 158,000 | 279,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,384,000 | 5,456,000 | 5,531,000 | 5,458,000 |
| Total capital | 5,744,000 | 5,838,000 | 5,939,000 | 5,891,000 |
| Risk-weighted assets | 47,029,000 | 47,313,000 | 49,370,000 | 49,901,000 |