Call reports 2007
KEYSTONE COMMUNITY BANK — 2007
What KEYSTONE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 196,040,000 | 199,626,000 | 211,202,000 | 215,322,000 |
| Total loans | 164,636,000 | 168,963,000 | 180,374,000 | 184,807,000 |
| Allowance for loan losses | 1,662,000 | 1,744,000 | 1,777,000 | 1,820,000 |
| Securities available for sale | 5,784,000 | 7,598,000 | 7,546,000 | 5,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,717,000 | 147,875,000 | 152,495,000 | 155,596,000 |
| Interest-bearing deposits | 132,895,000 | 127,066,000 | 131,002,000 | 130,759,000 |
| Noninterest-bearing deposits | 18,822,000 | 20,809,000 | 21,493,000 | 24,837,000 |
| Equity capital | 33,083,000 | 33,264,000 | 33,545,000 | 34,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,262,000 | 6,578,000 | 10,072,000 | 13,589,000 |
| Interest expense | 1,669,000 | 3,376,000 | 5,201,000 | 7,040,000 |
| Net interest income | 1,593,000 | 3,202,000 | 4,871,000 | 6,549,000 |
| Noninterest income | 125,000 | 281,000 | 414,000 | 539,000 |
| Noninterest expense | 1,376,000 | 2,698,000 | 4,079,000 | 5,425,000 |
| Provision for loan losses | 86,000 | 215,000 | 258,000 | 287,000 |
| Pretax income | 226,000 | 540,000 | 918,000 | 1,347,000 |
| Income tax | 74,000 | 177,000 | 303,000 | 427,000 |
| Net income | 152,000 | 363,000 | 615,000 | 920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,283,000 | 16,580,000 | 16,918,000 | 17,789,000 |
| Total capital | 17,945,000 | 18,324,000 | 18,695,000 | 19,609,000 |
| Risk-weighted assets | 172,391,000 | 176,519,000 | 186,075,000 | 192,361,000 |
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