Call reports 2020
KEYSTONE SAVINGS BANK — 2020
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 151,388,000 | 158,651,000 | 177,841,000 | 181,594,000 |
| Total loans | 87,350,000 | 91,540,000 | 86,365,000 | 82,552,000 |
| Allowance for loan losses | 777,000 | 996,000 | 999,000 | 990,000 |
| Securities available for sale | 35,773,000 | 40,663,000 | 43,035,000 | 49,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,140,000 | 139,967,000 | 159,040,000 | 162,530,000 |
| Interest-bearing deposits | 101,194,000 | 100,984,000 | 112,667,000 | 112,890,000 |
| Noninterest-bearing deposits | 33,946,000 | 38,983,000 | 46,373,000 | 49,640,000 |
| Equity capital | 15,121,000 | 17,403,000 | 17,591,000 | 17,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,580,000 | 3,125,000 | 4,608,000 | 6,026,000 |
| Interest expense | 227,000 | 446,000 | 644,000 | 814,000 |
| Net interest income | 1,353,000 | 2,679,000 | 3,964,000 | 5,212,000 |
| Noninterest income | 123,000 | 615,000 | 710,000 | 889,000 |
| Noninterest expense | 1,143,000 | 2,197,000 | 3,297,000 | 4,451,000 |
| Provision for loan losses | 55,000 | 260,000 | 260,000 | 260,000 |
| Pretax income | 281,000 | 850,000 | 1,130,000 | 1,403,000 |
| Income tax | 14,000 | 42,000 | 56,000 | 72,000 |
| Net income | 267,000 | 808,000 | 1,074,000 | 1,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,888,000 | 14,273,000 | 14,446,000 | 14,611,000 |
| Total capital | 14,665,000 | 15,269,000 | 15,445,000 | 15,601,000 |
| Risk-weighted assets | 116,162,000 | 114,219,000 | 114,844,000 | 99,601,000 |