Call reports 2005
KEOKUK SAVINGS BANK AND TRUST COMPANY — 2005
What KEOKUK SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 98,894,000 | 100,841,000 | 97,269,000 | 94,546,000 |
| Total loans | 67,771,000 | 69,292,000 | 67,476,000 | 71,838,000 |
| Allowance for loan losses | 617,000 | 621,000 | 624,000 | 634,000 |
| Securities available for sale | 13,974,000 | 15,202,000 | 12,156,000 | 10,826,000 |
| Securities held to maturity | 163,000 | 162,000 | 162,000 | 161,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,581,000 | 87,225,000 | 83,330,000 | 80,466,000 |
| Interest-bearing deposits | 75,001,000 | 77,262,000 | 74,571,000 | 69,628,000 |
| Noninterest-bearing deposits | 10,580,000 | 9,963,000 | 8,759,000 | 10,838,000 |
| Equity capital | 10,314,000 | 10,452,000 | 10,669,000 | 10,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,265,000 | 2,582,000 | 3,935,000 | 5,321,000 |
| Interest expense | 284,000 | 600,000 | 932,000 | 1,272,000 |
| Net interest income | 981,000 | 1,982,000 | 3,003,000 | 4,049,000 |
| Noninterest income | 757,000 | 1,406,000 | 1,993,000 | 2,582,000 |
| Noninterest expense | 1,092,000 | 2,311,000 | 3,514,000 | 4,620,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 631,000 | 1,047,000 | 1,437,000 | 1,951,000 |
| Income tax | 28,000 | 49,000 | 72,000 | 88,000 |
| Net income | 603,000 | 998,000 | 1,365,000 | 1,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,950,000 | 8,042,000 | 8,322,000 | 8,288,000 |
| Total capital | 8,567,000 | 8,663,000 | 8,946,000 | 8,922,000 |
| Risk-weighted assets | 69,825,000 | 71,491,000 | 69,800,000 | 72,953,000 |