Call reports 2003
KEOKUK SAVINGS BANK AND TRUST COMPANY — 2003
What KEOKUK SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 98,615,000 | 102,104,000 | 100,646,000 | 98,946,000 |
| Total loans | 69,631,000 | 72,534,000 | 71,301,000 | 71,611,000 |
| Allowance for loan losses | 666,000 | 646,000 | 658,000 | 654,000 |
| Securities available for sale | 11,852,000 | 11,018,000 | 12,189,000 | 14,780,000 |
| Securities held to maturity | 1,937,000 | 1,733,000 | 1,529,000 | 938,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,676,000 | 89,508,000 | 86,557,000 | 84,078,000 |
| Interest-bearing deposits | 79,043,000 | 80,629,000 | 78,135,000 | 75,872,000 |
| Noninterest-bearing deposits | 8,633,000 | 8,879,000 | 8,422,000 | 8,206,000 |
| Equity capital | 8,582,000 | 8,461,000 | 9,800,000 | 9,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,379,000 | 2,751,000 | 4,113,000 | 5,437,000 |
| Interest expense | 414,000 | 814,000 | 1,218,000 | 1,571,000 |
| Net interest income | 965,000 | 1,937,000 | 2,895,000 | 3,866,000 |
| Noninterest income | 149,000 | 277,000 | 1,146,000 | 1,667,000 |
| Noninterest expense | 845,000 | 1,906,000 | 3,444,000 | 4,640,000 |
| Provision for loan losses | 15,000 | 30,000 | 50,000 | 105,000 |
| Pretax income | 254,000 | 278,000 | 547,000 | 788,000 |
| Income tax | 13,000 | 16,000 | 29,000 | 41,000 |
| Net income | 241,000 | 262,000 | 518,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,001,000 | 5,458,000 | 6,871,000 | 6,947,000 |
| Total capital | 8,667,000 | 6,104,000 | 7,529,000 | 7,601,000 |
| Risk-weighted assets | 69,577,000 | 72,176,000 | 70,627,000 | 72,074,000 |