Call reports 2009
KEYSTONE COMMUNITY BANK — 2009
What KEYSTONE COMMUNITY 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 | 253,281,000 | 251,825,000 | 243,684,000 | 260,456,000 |
| Total loans | 211,026,000 | 208,224,000 | 210,922,000 | 217,044,000 |
| Allowance for loan losses | 2,261,000 | 2,729,000 | 3,184,000 | 3,734,000 |
| Securities available for sale | 3,115,000 | 4,429,000 | 7,933,000 | 7,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,409,000 | 188,659,000 | 183,000,000 | 202,985,000 |
| Interest-bearing deposits | 166,207,000 | 156,114,000 | 162,048,000 | 179,602,000 |
| Noninterest-bearing deposits | 21,202,000 | 32,545,000 | 20,952,000 | 23,383,000 |
| Equity capital | 39,968,000 | 39,650,000 | 39,627,000 | 39,564,000 |
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 | 3,078,000 | 6,096,000 | 9,185,000 | 12,362,000 |
| Interest expense | 1,570,000 | 3,042,000 | 4,181,000 | 5,317,000 |
| Net interest income | 1,508,000 | 3,054,000 | 5,004,000 | 7,045,000 |
| Noninterest income | 283,000 | 672,000 | 908,000 | 1,140,000 |
| Noninterest expense | 1,794,000 | 3,335,000 | 4,945,000 | 6,530,000 |
| Provision for loan losses | 607,000 | 1,599,000 | 2,198,000 | 3,015,000 |
| Pretax income | -610,000 | -1,225,000 | -1,248,000 | -1,292,000 |
| Income tax | -209,000 | -421,000 | -434,000 | -425,000 |
| Net income | -400,000 | -797,000 | -809,000 | -865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,907,000 | 23,527,000 | 23,561,000 | 23,542,000 |
| Total capital | 26,168,000 | 26,161,000 | 26,234,000 | 26,320,000 |
| Risk-weighted assets | 211,546,000 | 210,658,000 | 213,339,000 | 221,328,000 |
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