Call reports 2021
KEYSTONE SAVINGS BANK — 2021
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 188,132,000 | 176,652,000 | 182,477,000 | 177,381,000 |
| Total loans | 78,593,000 | 76,986,000 | 86,924,000 | 100,276,000 |
| Allowance for loan losses | 992,000 | 964,000 | 965,000 | 1,011,000 |
| Securities available for sale | 68,047,000 | 67,610,000 | 63,783,000 | 57,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,173,000 | 157,337,000 | 162,984,000 | 155,150,000 |
| Interest-bearing deposits | 119,153,000 | 110,049,000 | 114,455,000 | 107,260,000 |
| Noninterest-bearing deposits | 50,020,000 | 47,288,000 | 48,529,000 | 47,890,000 |
| Equity capital | 17,386,000 | 17,953,000 | 18,321,000 | 21,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,353,000 | 2,671,000 | 3,992,000 | 5,390,000 |
| Interest expense | 142,000 | 254,000 | 358,000 | 463,000 |
| Net interest income | 1,211,000 | 2,417,000 | 3,634,000 | 4,927,000 |
| Noninterest income | 143,000 | 726,000 | 1,075,000 | 1,247,000 |
| Noninterest expense | 1,133,000 | 2,312,000 | 3,567,000 | 4,912,000 |
| Provision for loan losses | 0 | 0 | 0 | 65,000 |
| Pretax income | 226,000 | 850,000 | 1,369,000 | 1,315,000 |
| Income tax | 30,000 | 40,000 | 67,000 | 65,000 |
| Net income | 196,000 | 810,000 | 1,302,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,773,000 | 15,233,000 | 15,627,000 | 18,875,000 |
| Total capital | 15,765,000 | 16,197,000 | 16,592,000 | 19,886,000 |
| Risk-weighted assets | 92,857,000 | 92,827,000 | 103,946,000 | 116,193,000 |