Call reports 2018
KEYSTONE SAVINGS BANK — 2018
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 104,995,000 | 102,597,000 | 103,813,000 | 141,752,000 |
| Total loans | 57,055,000 | 61,504,000 | 62,086,000 | 92,161,000 |
| Allowance for loan losses | 553,000 | 569,000 | 520,000 | 550,000 |
| Securities available for sale | 34,837,000 | 34,258,000 | 32,799,000 | 32,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,489,000 | 84,549,000 | 92,170,000 | 121,387,000 |
| Interest-bearing deposits | 67,214,000 | 58,335,000 | 66,775,000 | 87,098,000 |
| Noninterest-bearing deposits | 27,275,000 | 26,214,000 | 25,395,000 | 34,289,000 |
| Equity capital | 10,322,000 | 10,484,000 | 10,423,000 | 14,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 2,040,000 | 3,133,000 | 4,625,000 |
| Interest expense | 120,000 | 235,000 | 401,000 | 598,000 |
| Net interest income | 874,000 | 1,805,000 | 2,732,000 | 4,027,000 |
| Noninterest income | 118,000 | 241,000 | 367,000 | 494,000 |
| Noninterest expense | 663,000 | 1,437,000 | 2,182,000 | 3,158,000 |
| Provision for loan losses | 15,000 | 30,000 | 55,000 | 110,000 |
| Pretax income | 309,000 | 576,000 | 861,000 | 1,252,000 |
| Income tax | 15,000 | 29,000 | 43,000 | 49,000 |
| Net income | 294,000 | 547,000 | 818,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,761,000 | 11,869,000 | 12,045,000 | 12,899,000 |
| Total capital | 12,314,000 | 12,438,000 | 12,565,000 | 13,449,000 |
| Risk-weighted assets | 79,183,000 | 83,403,000 | 84,200,000 | 112,078,000 |