Call reports 2014
KEYSTONE SAVINGS BANK — 2014
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 96,033,000 | 87,520,000 | 92,050,000 | 85,701,000 |
| Total loans | 53,519,000 | 55,837,000 | 58,053,000 | 58,046,000 |
| Allowance for loan losses | 732,000 | 698,000 | 697,000 | 696,000 |
| Securities available for sale | 24,836,000 | 25,651,000 | 25,191,000 | 21,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,989,000 | 74,925,000 | 81,698,000 | 74,170,000 |
| Interest-bearing deposits | 63,113,000 | 53,622,000 | 61,626,000 | 53,831,000 |
| Noninterest-bearing deposits | 21,876,000 | 21,302,000 | 20,072,000 | 20,339,000 |
| Equity capital | 8,900,000 | 9,328,000 | 9,464,000 | 9,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 901,000 | 1,826,000 | 2,780,000 | 3,716,000 |
| Interest expense | 103,000 | 203,000 | 300,000 | 392,000 |
| Net interest income | 798,000 | 1,623,000 | 2,480,000 | 3,324,000 |
| Noninterest income | 96,000 | 187,000 | 282,000 | 407,000 |
| Noninterest expense | 660,000 | 1,338,000 | 2,059,000 | 2,741,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 238,000 | 476,000 | 728,000 | 1,024,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 51,000 |
| Net income | 226,000 | 452,000 | 692,000 | 973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,177,000 | 9,271,000 | 9,438,000 | 9,659,000 |
| Total capital | 9,909,000 | 9,969,000 | 10,135,000 | 10,355,000 |
| Risk-weighted assets | 65,874,000 | 67,422,000 | 70,747,000 | 69,438,000 |