Call reports 2017
KEYSTONE SAVINGS BANK — 2017
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 114,292,000 | 106,041,000 | 108,781,000 | 102,251,000 |
| Total loans | 53,201,000 | 56,430,000 | 56,274,000 | 57,483,000 |
| Allowance for loan losses | 515,000 | 504,000 | 519,000 | 537,000 |
| Securities available for sale | 37,952,000 | 39,231,000 | 36,705,000 | 37,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,852,000 | 89,480,000 | 97,487,000 | 87,475,000 |
| Interest-bearing deposits | 75,617,000 | 61,991,000 | 71,223,000 | 60,802,000 |
| Noninterest-bearing deposits | 28,235,000 | 27,489,000 | 26,264,000 | 26,673,000 |
| Equity capital | 10,287,000 | 11,005,000 | 11,070,000 | 10,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 897,000 | 1,869,000 | 2,845,000 | 3,860,000 |
| Interest expense | 110,000 | 227,000 | 348,000 | 467,000 |
| Net interest income | 787,000 | 1,642,000 | 2,497,000 | 3,393,000 |
| Noninterest income | 113,000 | 237,000 | 359,000 | 472,000 |
| Noninterest expense | 725,000 | 1,491,000 | 2,245,000 | 3,037,000 |
| Provision for loan losses | 3,000 | 15,000 | 30,000 | 48,000 |
| Pretax income | 172,000 | 405,000 | 629,000 | 833,000 |
| Income tax | 9,000 | 20,000 | 31,000 | 42,000 |
| Net income | 163,000 | 385,000 | 598,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,115,000 | 11,213,000 | 11,313,000 | 11,467,000 |
| Total capital | 11,630,000 | 11,717,000 | 11,832,000 | 12,004,000 |
| Risk-weighted assets | 73,750,000 | 76,950,000 | 76,861,000 | 77,413,000 |