Call reports 2011
KEYSTONE SAVINGS BANK — 2011
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 78,109,000 | 74,425,000 | 79,689,000 | 77,073,000 |
| Total loans | 41,703,000 | 43,889,000 | 46,960,000 | 47,705,000 |
| Allowance for loan losses | 357,000 | 386,000 | 400,000 | 671,000 |
| Securities available for sale | 24,599,000 | 25,087,000 | 24,769,000 | 23,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,934,000 | 67,314,000 | 72,771,000 | 69,677,000 |
| Interest-bearing deposits | 56,296,000 | 52,089,000 | 57,424,000 | 51,737,000 |
| Noninterest-bearing deposits | 15,638,000 | 15,224,000 | 15,347,000 | 17,940,000 |
| Equity capital | 5,930,000 | 6,381,000 | 6,629,000 | 6,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 862,000 | 1,747,000 | 2,661,000 | 3,606,000 |
| Interest expense | 187,000 | 371,000 | 556,000 | 735,000 |
| Net interest income | 675,000 | 1,376,000 | 2,105,000 | 2,871,000 |
| Noninterest income | 84,000 | 180,000 | 275,000 | 379,000 |
| Noninterest expense | 598,000 | 1,219,000 | 1,768,000 | 2,332,000 |
| Provision for loan losses | 33,000 | 57,000 | 113,000 | 129,000 |
| Pretax income | 128,000 | 296,000 | 515,000 | 820,000 |
| Income tax | 6,000 | 15,000 | 26,000 | 41,000 |
| Net income | 122,000 | 281,000 | 489,000 | 779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,578,000 | 5,704,000 | 5,840,000 | 5,952,000 |
| Total capital | 5,935,000 | 6,090,000 | 6,240,000 | 6,623,000 |
| Risk-weighted assets | 51,102,000 | 52,452,000 | 56,252,000 | 57,223,000 |