Call reports 2013
KEYSTONE BANK — 2013
What KEYSTONE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 232,981,000 | 232,712,000 | 235,013,000 | 234,926,000 |
| Total loans | 152,900,000 | 158,306,000 | 153,091,000 | 156,526,000 |
| Allowance for loan losses | 2,389,000 | 2,449,000 | 2,475,000 | 2,345,000 |
| Securities available for sale | 32,915,000 | 37,813,000 | 40,239,000 | 38,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,420,000 | 201,573,000 | 203,169,000 | 202,798,000 |
| Interest-bearing deposits | 178,954,000 | 179,258,000 | 180,796,000 | 179,923,000 |
| Noninterest-bearing deposits | 22,466,000 | 22,315,000 | 22,373,000 | 22,875,000 |
| Equity capital | 23,907,000 | 23,459,000 | 24,222,000 | 24,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,490,000 | 4,995,000 | 7,527,000 | 10,013,000 |
| Interest expense | 443,000 | 879,000 | 1,317,000 | 1,717,000 |
| Net interest income | 2,047,000 | 4,116,000 | 6,210,000 | 8,296,000 |
| Noninterest income | 356,000 | 734,000 | 1,090,000 | 1,361,000 |
| Noninterest expense | 1,430,000 | 2,852,000 | 4,371,000 | 5,798,000 |
| Provision for loan losses | 130,000 | 260,000 | 330,000 | 380,000 |
| Pretax income | 1,096,000 | 1,992,000 | 2,845,000 | 3,847,000 |
| Income tax | 333,000 | 600,000 | 858,000 | 1,135,000 |
| Net income | 763,000 | 1,392,000 | 1,987,000 | 2,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,436,000 | 23,929,000 | 24,523,000 | 24,439,000 |
| Total capital | 25,593,000 | 26,128,000 | 26,692,000 | 26,642,000 |
| Risk-weighted assets | 172,293,000 | 175,620,000 | 173,199,000 | 176,113,000 |
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