Call reports 2016
KEYSTONE SAVINGS BANK — 2016
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 99,064,000 | 89,056,000 | 99,694,000 | 100,214,000 |
| Total loans | 56,079,000 | 54,204,000 | 54,059,000 | 55,295,000 |
| Allowance for loan losses | 711,000 | 711,000 | 711,000 | 588,000 |
| Securities available for sale | 22,889,000 | 23,382,000 | 30,299,000 | 29,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,094,000 | 77,736,000 | 88,390,000 | 90,105,000 |
| Interest-bearing deposits | 65,587,000 | 56,333,000 | 65,896,000 | 66,076,000 |
| Noninterest-bearing deposits | 22,507,000 | 21,403,000 | 22,494,000 | 24,029,000 |
| Equity capital | 10,826,000 | 11,113,000 | 11,096,000 | 9,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 915,000 | 1,767,000 | 2,641,000 | 3,554,000 |
| Interest expense | 90,000 | 184,000 | 281,000 | 385,000 |
| Net interest income | 825,000 | 1,583,000 | 2,360,000 | 3,169,000 |
| Noninterest income | 108,000 | 222,000 | 361,000 | 466,000 |
| Noninterest expense | 681,000 | 1,336,000 | 2,037,000 | 2,735,000 |
| Provision for loan losses | 0 | 0 | 0 | 26,000 |
| Pretax income | 252,000 | 505,000 | 751,000 | 957,000 |
| Income tax | 13,000 | 25,000 | 38,000 | 48,000 |
| Net income | 239,000 | 480,000 | 713,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,587,000 | 10,658,000 | 10,817,000 | 10,953,000 |
| Total capital | 11,298,000 | 11,369,000 | 11,528,000 | 11,541,000 |
| Risk-weighted assets | 68,714,000 | 67,804,000 | 70,463,000 | 71,307,000 |