Call reports 2013
KEYSTONE COMMUNITY BANK — 2013
What KEYSTONE COMMUNITY 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 | 242,942,000 | 242,384,000 | 241,999,000 | 255,269,000 |
| Total loans | 173,230,000 | 174,484,000 | 177,954,000 | 173,636,000 |
| Allowance for loan losses | 5,538,000 | 5,516,000 | 5,607,000 | 4,422,000 |
| Securities available for sale | 33,933,000 | 35,846,000 | 40,842,000 | 36,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,851,000 | 192,794,000 | 197,951,000 | 210,456,000 |
| Interest-bearing deposits | 158,627,000 | 153,873,000 | 154,483,000 | 159,867,000 |
| Noninterest-bearing deposits | 35,224,000 | 38,921,000 | 43,468,000 | 50,589,000 |
| Equity capital | 42,845,000 | 43,191,000 | 37,706,000 | 38,547,000 |
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 | 2,377,000 | 4,761,000 | 7,111,000 | 9,434,000 |
| Interest expense | 188,000 | 368,000 | 546,000 | 696,000 |
| Net interest income | 2,189,000 | 4,393,000 | 6,565,000 | 8,738,000 |
| Noninterest income | 297,000 | 781,000 | 1,051,000 | 1,330,000 |
| Noninterest expense | 1,628,000 | 3,339,000 | 5,057,000 | 6,729,000 |
| Provision for loan losses | 225,000 | 375,000 | 375,000 | -125,000 |
| Pretax income | 633,000 | 1,460,000 | 2,184,000 | 3,481,000 |
| Income tax | 212,000 | 488,000 | 725,000 | 1,158,000 |
| Net income | 421,000 | 972,000 | 1,459,000 | 2,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,839,000 | 27,410,000 | 21,918,000 | 22,795,000 |
| Total capital | 29,053,000 | 29,661,000 | 24,222,000 | 25,070,000 |
| Risk-weighted assets | 173,809,000 | 176,872,000 | 181,030,000 | 179,869,000 |
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