Call reports 2008
KEYSTONE COMMUNITY BANK — 2008
What KEYSTONE COMMUNITY 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 | 226,489,000 | 239,789,000 | 243,365,000 | 253,360,000 |
| Total loans | 196,643,000 | 208,640,000 | 207,299,000 | 215,906,000 |
| Allowance for loan losses | 1,901,000 | 1,815,000 | 1,841,000 | 1,881,000 |
| Securities available for sale | 5,964,000 | 4,840,000 | 4,481,000 | 3,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,323,000 | 170,475,000 | 181,467,000 | 191,147,000 |
| Interest-bearing deposits | 133,388,000 | 149,001,000 | 160,447,000 | 167,337,000 |
| Noninterest-bearing deposits | 18,935,000 | 21,474,000 | 21,020,000 | 23,810,000 |
| Equity capital | 35,449,000 | 35,915,000 | 36,066,000 | 36,792,000 |
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 | 3,380,000 | 6,760,000 | 10,226,000 | 13,565,000 |
| Interest expense | 1,764,000 | 3,478,000 | 5,246,000 | 6,943,000 |
| Net interest income | 1,616,000 | 3,282,000 | 4,980,000 | 6,622,000 |
| Noninterest income | 138,000 | 339,000 | 473,000 | 607,000 |
| Noninterest expense | 1,437,000 | 2,996,000 | 4,540,000 | 6,144,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 250,000 |
| Pretax income | 242,000 | 475,000 | 738,000 | 548,000 |
| Income tax | 75,000 | 150,000 | 236,000 | 163,000 |
| Net income | 167,000 | 325,000 | 502,000 | 385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,921,000 | 19,622,000 | 19,891,000 | 20,676,000 |
| Total capital | 20,822,000 | 21,437,000 | 21,732,000 | 22,557,000 |
| Risk-weighted assets | 197,706,000 | 209,837,000 | 209,602,000 | 219,641,000 |
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