Call reports 2013
KEYSTONE SAVINGS BANK — 2013
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 91,769,000 | 86,744,000 | 89,427,000 | 88,938,000 |
| Total loans | 51,890,000 | 53,377,000 | 52,866,000 | 54,875,000 |
| Allowance for loan losses | 730,000 | 717,000 | 723,000 | 733,000 |
| Securities available for sale | 30,960,000 | 28,211,000 | 25,431,000 | 25,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,228,000 | 74,400,000 | 80,748,000 | 78,442,000 |
| Interest-bearing deposits | 61,537,000 | 53,642,000 | 60,445,000 | 51,841,000 |
| Noninterest-bearing deposits | 20,691,000 | 20,758,000 | 20,303,000 | 26,601,000 |
| Equity capital | 9,350,000 | 8,457,000 | 8,514,000 | 8,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 935,000 | 1,877,000 | 2,833,000 | 3,744,000 |
| Interest expense | 122,000 | 243,000 | 360,000 | 473,000 |
| Net interest income | 813,000 | 1,634,000 | 2,473,000 | 3,271,000 |
| Noninterest income | 116,000 | 228,000 | 302,000 | 423,000 |
| Noninterest expense | 647,000 | 1,304,000 | 1,937,000 | 2,633,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 282,000 | 579,000 | 845,000 | 1,077,000 |
| Income tax | 14,000 | 29,000 | 42,000 | 54,000 |
| Net income | 268,000 | 550,000 | 803,000 | 1,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,649,000 | 8,774,000 | 8,928,000 | 8,952,000 |
| Total capital | 9,379,000 | 9,491,000 | 9,651,000 | 9,685,000 |
| Risk-weighted assets | 64,514,000 | 65,973,000 | 64,939,000 | 65,955,000 |