Call reports 2025
KEYSTONE SAVINGS BANK — 2025
What KEYSTONE SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 203,260,000 | 194,362,000 | 208,431,000 | 195,126,000 |
| Total loans | 111,199,000 | 116,912,000 | 116,851,000 | 118,547,000 |
| Allowance for loan losses | 1,380,000 | 1,374,000 | 1,439,000 | 1,447,000 |
| Securities available for sale | 55,865,000 | 60,091,000 | 61,389,000 | 63,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,042,000 | 164,201,000 | 176,334,000 | 163,061,000 |
| Interest-bearing deposits | 131,253,000 | 125,890,000 | 137,521,000 | 123,606,000 |
| Noninterest-bearing deposits | 41,789,000 | 38,311,000 | 38,813,000 | 39,455,000 |
| Equity capital | 18,860,000 | 18,941,000 | 20,625,000 | 20,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,174,000 | 4,549,000 | 6,986,000 | 9,465,000 |
| Interest expense | 659,000 | 1,481,000 | 2,326,000 | 3,235,000 |
| Net interest income | 1,515,000 | 3,068,000 | 4,660,000 | 6,230,000 |
| Noninterest income | 108,000 | 211,000 | 311,000 | 415,000 |
| Noninterest expense | 1,201,000 | 2,510,000 | 3,707,000 | 5,164,000 |
| Provision for loan losses | 0 | 0 | 65,000 | 75,000 |
| Pretax income | 429,000 | 765,000 | 1,193,000 | 1,394,000 |
| Income tax | 13,000 | 31,000 | 48,000 | 57,000 |
| Net income | 416,000 | 734,000 | 1,145,000 | 1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,965,000 | 22,229,000 | 22,586,000 | 22,722,000 |
| Total capital | 23,326,000 | 23,584,000 | 24,006,000 | 24,149,000 |
| Risk-weighted assets | 133,892,000 | 139,565,000 | 143,436,000 | 143,063,000 |