Call reports 2019
KEYSTONE SAVINGS BANK — 2019
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 144,352,000 | 136,834,000 | 147,461,000 | 145,431,000 |
| Total loans | 88,497,000 | 92,616,000 | 91,519,000 | 89,858,000 |
| Allowance for loan losses | 636,000 | 624,000 | 722,000 | 682,000 |
| Securities available for sale | 33,534,000 | 33,769,000 | 33,598,000 | 37,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,499,000 | 119,993,000 | 130,191,000 | 128,151,000 |
| Interest-bearing deposits | 97,514,000 | 89,176,000 | 98,089,000 | 94,151,000 |
| Noninterest-bearing deposits | 30,985,000 | 30,817,000 | 32,102,000 | 34,000,000 |
| Equity capital | 14,683,000 | 15,633,000 | 16,042,000 | 16,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,514,000 | 3,070,000 | 4,651,000 | 6,233,000 |
| Interest expense | 182,000 | 395,000 | 622,000 | 850,000 |
| Net interest income | 1,332,000 | 2,675,000 | 4,029,000 | 5,383,000 |
| Noninterest income | 122,000 | 252,000 | 388,000 | 433,000 |
| Noninterest expense | 1,162,000 | 2,148,000 | 3,237,000 | 4,279,000 |
| Provision for loan losses | 84,000 | 203,000 | 299,000 | 405,000 |
| Pretax income | 212,000 | 580,000 | 923,000 | 1,180,000 |
| Income tax | 19,000 | 29,000 | 39,000 | 67,000 |
| Net income | 193,000 | 551,000 | 884,000 | 1,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,051,000 | 13,260,000 | 13,509,000 | 13,654,000 |
| Total capital | 13,687,000 | 13,884,000 | 14,231,000 | 14,336,000 |
| Risk-weighted assets | 108,815,000 | 113,883,000 | 117,173,000 | 116,489,000 |