Call reports 2009
KEYSTONE BANK — 2009
What KEYSTONE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 128,307,000 | 141,130,000 | 155,568,000 | 165,349,000 |
| Total loans | 94,965,000 | 112,603,000 | 122,103,000 | 128,568,000 |
| Allowance for loan losses | 1,095,000 | 1,303,000 | 1,356,000 | 1,968,000 |
| Securities available for sale | 13,209,000 | 12,521,000 | 17,338,000 | 12,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,463,000 | 117,791,000 | 131,446,000 | 141,358,000 |
| Interest-bearing deposits | 97,998,000 | 110,827,000 | 125,210,000 | 134,954,000 |
| Noninterest-bearing deposits | 7,464,000 | 6,964,000 | 6,236,000 | 6,404,000 |
| Equity capital | 15,828,000 | 16,159,000 | 16,882,000 | 16,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,584,000 | 3,424,000 | 5,434,000 | 7,591,000 |
| Interest expense | 803,000 | 1,648,000 | 2,543,000 | 3,386,000 |
| Net interest income | 781,000 | 1,776,000 | 2,891,000 | 4,205,000 |
| Noninterest income | 80,000 | 234,000 | 417,000 | 1,022,000 |
| Noninterest expense | 773,000 | 1,687,000 | 2,657,000 | 3,805,000 |
| Provision for loan losses | 95,000 | 303,000 | 478,000 | 1,665,000 |
| Pretax income | 58,000 | 212,000 | 596,000 | 347,000 |
| Income tax | 0 | 0 | 0 | -743,000 |
| Net income | 58,000 | 212,000 | 596,000 | 1,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,998,000 | 16,169,000 | 16,569,000 | 16,921,000 |
| Total capital | 17,093,000 | 17,472,000 | 17,925,000 | 18,582,000 |
| Risk-weighted assets | 105,610,000 | 118,120,000 | 129,295,000 | 131,817,000 |
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