Call reports 2015
KEYSTONE SAVINGS BANK — 2015
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 94,963,000 | 87,561,000 | 93,409,000 | 90,651,000 |
| Total loans | 56,697,000 | 58,234,000 | 57,482,000 | 58,713,000 |
| Allowance for loan losses | 707,000 | 718,000 | 704,000 | 710,000 |
| Securities available for sale | 22,509,000 | 22,610,000 | 21,307,000 | 21,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,902,000 | 74,399,000 | 82,886,000 | 80,007,000 |
| Interest-bearing deposits | 63,658,000 | 55,030,000 | 64,087,000 | 57,904,000 |
| Noninterest-bearing deposits | 20,244,000 | 19,369,000 | 18,799,000 | 22,103,000 |
| Equity capital | 10,209,000 | 10,005,000 | 10,333,000 | 10,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 903,000 | 1,822,000 | 2,761,000 | 3,710,000 |
| Interest expense | 87,000 | 181,000 | 277,000 | 371,000 |
| Net interest income | 816,000 | 1,641,000 | 2,484,000 | 3,339,000 |
| Noninterest income | 119,000 | 225,000 | 367,000 | 431,000 |
| Noninterest expense | 678,000 | 1,354,000 | 2,027,000 | 2,683,000 |
| Provision for loan losses | 12,000 | 24,000 | 24,000 | 24,000 |
| Pretax income | 249,000 | 492,000 | 810,000 | 1,073,000 |
| Income tax | 12,000 | 25,000 | 34,000 | 54,000 |
| Net income | 237,000 | 467,000 | 776,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,887,000 | 9,954,000 | 10,174,000 | 10,347,000 |
| Total capital | 10,594,000 | 10,672,000 | 10,878,000 | 11,057,000 |
| Risk-weighted assets | 67,848,000 | 68,668,000 | 66,844,000 | 68,963,000 |