Call reports 2023
KEYSTONE SAVINGS BANK — 2023
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 182,993,000 | 177,594,000 | 184,773,000 | 175,482,000 |
| Total loans | 110,849,000 | 113,111,000 | 108,532,000 | 112,028,000 |
| Allowance for loan losses | 1,394,000 | 1,394,000 | 1,386,000 | 1,385,000 |
| Securities available for sale | 50,320,000 | 49,285,000 | 47,636,000 | 49,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,894,000 | 159,657,000 | 167,337,000 | 155,685,000 |
| Interest-bearing deposits | 120,392,000 | 114,807,000 | 124,908,000 | 113,285,000 |
| Noninterest-bearing deposits | 44,502,000 | 44,850,000 | 42,429,000 | 42,400,000 |
| Equity capital | 16,952,000 | 16,572,000 | 16,044,000 | 18,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,770,000 | 3,637,000 | 5,622,000 | 7,633,000 |
| Interest expense | 337,000 | 781,000 | 1,280,000 | 1,802,000 |
| Net interest income | 1,433,000 | 2,856,000 | 4,342,000 | 5,831,000 |
| Noninterest income | 127,000 | 247,000 | 380,000 | 490,000 |
| Noninterest expense | 1,135,000 | 2,313,000 | 3,553,000 | 4,801,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 434,000 | 799,000 | 1,192,000 | 1,537,000 |
| Income tax | 22,000 | 37,000 | 56,000 | 71,000 |
| Net income | 412,000 | 762,000 | 1,136,000 | 1,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,337,000 | 20,574,000 | 20,890,000 | 21,165,000 |
| Total capital | 21,513,000 | 21,750,000 | 22,058,000 | 22,332,000 |
| Risk-weighted assets | 133,168,000 | 131,189,000 | 132,337,000 | 133,400,000 |