Call reports 2008
KEYSTONE BANK — 2008
What KEYSTONE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 68,071,000 | 77,205,000 | 100,675,000 | 113,582,000 |
| Total loans | 44,848,000 | 56,263,000 | 73,515,000 | 84,875,000 |
| Allowance for loan losses | 534,000 | 657,000 | 863,000 | 1,000,000 |
| Securities available for sale | 2,998,000 | 4,066,000 | 8,059,000 | 9,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,522,000 | 61,911,000 | 77,789,000 | 90,766,000 |
| Interest-bearing deposits | 46,778,000 | 54,102,000 | 72,370,000 | 84,615,000 |
| Noninterest-bearing deposits | 5,744,000 | 7,810,000 | 5,418,000 | 6,150,000 |
| Equity capital | 13,710,000 | 13,413,000 | 16,008,000 | 15,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 813,000 | 1,740,000 | 2,957,000 | 4,482,000 |
| Interest expense | 426,000 | 905,000 | 1,531,000 | 2,276,000 |
| Net interest income | 387,000 | 835,000 | 1,426,000 | 2,206,000 |
| Noninterest income | 53,000 | 103,000 | 143,000 | 195,000 |
| Noninterest expense | 556,000 | 1,213,000 | 1,898,000 | 2,592,000 |
| Provision for loan losses | 96,000 | 218,000 | 424,000 | 562,000 |
| Pretax income | -212,000 | -493,000 | -696,000 | -1,063,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -212,000 | -493,000 | -696,000 | -1,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,691,000 | 13,442,000 | 16,301,000 | 15,926,000 |
| Total capital | 14,226,000 | 14,099,000 | 17,164,000 | 16,926,000 |
| Risk-weighted assets | 55,164,000 | 60,127,000 | 73,962,000 | 91,394,000 |
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