Call reports 2012
KEYSTONE SAVINGS BANK — 2012
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 95,485,000 | 83,471,000 | 86,423,000 | 86,594,000 |
| Total loans | 45,719,000 | 45,873,000 | 48,311,000 | 52,031,000 |
| Allowance for loan losses | 672,000 | 769,000 | 772,000 | 742,000 |
| Securities available for sale | 39,187,000 | 31,333,000 | 29,710,000 | 25,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,530,000 | 72,793,000 | 77,892,000 | 74,957,000 |
| Interest-bearing deposits | 68,683,000 | 55,204,000 | 59,285,000 | 52,871,000 |
| Noninterest-bearing deposits | 18,847,000 | 17,589,000 | 18,607,000 | 22,086,000 |
| Equity capital | 7,692,000 | 8,039,000 | 8,295,000 | 9,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 916,000 | 1,863,000 | 2,804,000 | 3,749,000 |
| Interest expense | 155,000 | 301,000 | 435,000 | 569,000 |
| Net interest income | 761,000 | 1,562,000 | 2,369,000 | 3,180,000 |
| Noninterest income | 142,000 | 247,000 | 270,000 | 382,000 |
| Noninterest expense | 599,000 | 1,191,000 | 1,809,000 | 2,492,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 304,000 | 650,000 | 886,000 | 1,164,000 |
| Income tax | 15,000 | 33,000 | 44,000 | 58,000 |
| Net income | 289,000 | 617,000 | 842,000 | 1,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,118,000 | 7,282,000 | 7,368,000 | 8,382,000 |
| Total capital | 7,790,000 | 8,021,000 | 8,140,000 | 9,124,000 |
| Risk-weighted assets | 60,100,000 | 59,058,000 | 62,072,000 | 65,263,000 |