Call reports 2004
KEOKUK SAVINGS BANK AND TRUST COMPANY — 2004
What KEOKUK SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 102,503,000 | 99,394,000 | 97,882,000 | 96,193,000 |
| Total loans | 69,258,000 | 68,154,000 | 69,286,000 | 69,373,000 |
| Allowance for loan losses | 665,000 | 595,000 | 588,000 | 608,000 |
| Securities available for sale | 15,127,000 | 17,152,000 | 16,506,000 | 15,053,000 |
| Securities held to maturity | 371,000 | 371,000 | 164,000 | 164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,059,000 | 86,243,000 | 84,928,000 | 80,846,000 |
| Interest-bearing deposits | 79,617,000 | 76,916,000 | 76,261,000 | 71,411,000 |
| Noninterest-bearing deposits | 9,442,000 | 9,327,000 | 8,667,000 | 9,435,000 |
| Equity capital | 9,897,000 | 9,573,000 | 9,909,000 | 9,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,278,000 | 2,544,000 | 3,811,000 | 5,087,000 |
| Interest expense | 324,000 | 628,000 | 917,000 | 1,193,000 |
| Net interest income | 954,000 | 1,916,000 | 2,894,000 | 3,894,000 |
| Noninterest income | 563,000 | 1,109,000 | 1,702,000 | 2,307,000 |
| Noninterest expense | 1,099,000 | 2,254,000 | 3,434,000 | 4,610,000 |
| Provision for loan losses | 140,000 | 255,000 | 270,000 | 285,000 |
| Pretax income | 278,000 | 516,000 | 892,000 | 1,306,000 |
| Income tax | 9,000 | 20,000 | 35,000 | 82,000 |
| Net income | 269,000 | 496,000 | 857,000 | 1,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,119,000 | 7,057,000 | 7,335,000 | 7,469,000 |
| Total capital | 7,784,000 | 7,652,000 | 7,923,000 | 8,077,000 |
| Risk-weighted assets | 70,464,000 | 69,520,000 | 70,091,000 | 70,252,000 |