Call reports 2022
KEYSTONE SAVINGS BANK — 2022
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 182,485,000 | 171,968,000 | 180,246,000 | 169,127,000 |
| Total loans | 103,817,000 | 106,107,000 | 105,036,000 | 108,667,000 |
| Allowance for loan losses | 1,010,000 | 1,022,000 | 1,115,000 | 1,075,000 |
| Securities available for sale | 54,935,000 | 51,666,000 | 49,537,000 | 50,515,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,940,000 | 155,439,000 | 164,249,000 | 146,420,000 |
| Interest-bearing deposits | 114,194,000 | 107,023,000 | 116,019,000 | 100,906,000 |
| Noninterest-bearing deposits | 48,746,000 | 48,416,000 | 48,230,000 | 45,514,000 |
| Equity capital | 18,623,000 | 15,560,000 | 14,992,000 | 16,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,405,000 | 2,869,000 | 4,420,000 | 6,070,000 |
| Interest expense | 95,000 | 194,000 | 288,000 | 457,000 |
| Net interest income | 1,310,000 | 2,675,000 | 4,132,000 | 5,613,000 |
| Noninterest income | 103,000 | 216,000 | 373,000 | 492,000 |
| Noninterest expense | 1,157,000 | 2,364,000 | 3,542,000 | 4,671,000 |
| Provision for loan losses | 0 | 20,000 | 40,000 | 0 |
| Pretax income | 254,000 | 495,000 | 915,000 | 1,429,000 |
| Income tax | 5,000 | 27,000 | 27,000 | 72,000 |
| Net income | 249,000 | 468,000 | 888,000 | 1,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,136,000 | 19,243,000 | 19,609,000 | 20,022,000 |
| Total capital | 20,146,000 | 20,265,000 | 20,724,000 | 21,097,000 |
| Risk-weighted assets | 118,910,000 | 123,979,000 | 126,733,000 | 129,073,000 |