Call reports 2024
KEYSTONE SAVINGS BANK — 2024
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 189,444,000 | 177,065,000 | 190,189,000 | 176,432,000 |
| Total loans | 111,445,000 | 111,933,000 | 111,377,000 | 109,722,000 |
| Allowance for loan losses | 1,385,000 | 1,385,000 | 1,380,000 | 1,380,000 |
| Securities available for sale | 48,491,000 | 46,577,000 | 47,182,000 | 48,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,863,000 | 147,918,000 | 159,660,000 | 146,859,000 |
| Interest-bearing deposits | 117,490,000 | 108,141,000 | 118,969,000 | 105,638,000 |
| Noninterest-bearing deposits | 42,373,000 | 39,777,000 | 40,691,000 | 41,221,000 |
| Equity capital | 18,335,000 | 17,786,000 | 19,156,000 | 18,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,990,000 | 4,032,000 | 6,088,000 | 8,180,000 |
| Interest expense | 598,000 | 1,267,000 | 1,938,000 | 2,613,000 |
| Net interest income | 1,392,000 | 2,765,000 | 4,150,000 | 5,567,000 |
| Noninterest income | 107,000 | 225,000 | 335,000 | 438,000 |
| Noninterest expense | 1,245,000 | 2,489,000 | 3,621,000 | 4,827,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 278,000 | 525,000 | 898,000 | 1,201,000 |
| Income tax | 14,000 | 21,000 | 37,000 | 43,000 |
| Net income | 264,000 | 504,000 | 861,000 | 1,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,329,000 | 21,158,000 | 21,459,000 | 21,704,000 |
| Total capital | 22,595,000 | 22,424,000 | 22,720,000 | 22,965,000 |
| Risk-weighted assets | 130,893,000 | 133,055,000 | 134,838,000 | 131,036,000 |