Call reports 2012
KEYSTONE BANK — 2012
What KEYSTONE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 212,626,000 | 213,761,000 | 217,355,000 | 220,165,000 |
| Total loans | 139,938,000 | 149,845,000 | 150,578,000 | 157,490,000 |
| Allowance for loan losses | 2,182,000 | 2,299,000 | 2,301,000 | 2,378,000 |
| Securities available for sale | 32,279,000 | 35,824,000 | 31,745,000 | 34,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,616,000 | 184,476,000 | 187,216,000 | 189,632,000 |
| Interest-bearing deposits | 165,238,000 | 165,447,000 | 168,539,000 | 168,268,000 |
| Noninterest-bearing deposits | 18,378,000 | 19,029,000 | 18,677,000 | 21,364,000 |
| Equity capital | 21,491,000 | 21,998,000 | 22,765,000 | 23,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,416,000 | 4,900,000 | 7,426,000 | 9,976,000 |
| Interest expense | 507,000 | 1,015,000 | 1,511,000 | 1,999,000 |
| Net interest income | 1,909,000 | 3,885,000 | 5,915,000 | 7,977,000 |
| Noninterest income | 513,000 | 924,000 | 1,269,000 | 1,763,000 |
| Noninterest expense | 1,378,000 | 2,808,000 | 4,343,000 | 5,765,000 |
| Provision for loan losses | 150,000 | 310,000 | 340,000 | 576,000 |
| Pretax income | 971,000 | 1,799,000 | 2,678,000 | 3,603,000 |
| Income tax | 300,000 | 543,000 | 797,000 | 1,070,000 |
| Net income | 671,000 | 1,256,000 | 1,881,000 | 2,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,117,000 | 21,524,000 | 22,153,000 | 22,673,000 |
| Total capital | 23,109,000 | 23,597,000 | 24,182,000 | 24,819,000 |
| Risk-weighted assets | 159,441,000 | 165,636,000 | 162,077,000 | 171,448,000 |
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