Call reports 2007
KEOKUK SAVINGS BANK AND TRUST COMPANY — 2007
What KEOKUK SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,221,000 | 103,390,000 | 100,492,000 | 102,225,000 |
| Total loans | 75,653,000 | 73,954,000 | 72,115,000 | 74,085,000 |
| Allowance for loan losses | 688,000 | 733,000 | 712,000 | 688,000 |
| Securities available for sale | 7,642,000 | 8,049,000 | 8,682,000 | 10,797,000 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,768,000 | 89,811,000 | 86,692,000 | 88,476,000 |
| Interest-bearing deposits | 77,222,000 | 78,798,000 | 77,338,000 | 75,688,000 |
| Noninterest-bearing deposits | 12,546,000 | 11,013,000 | 9,354,000 | 12,788,000 |
| Equity capital | 10,006,000 | 10,095,000 | 10,330,000 | 10,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,502,000 | 3,044,000 | 4,598,000 | 6,065,000 |
| Interest expense | 571,000 | 1,174,000 | 1,796,000 | 2,418,000 |
| Net interest income | 931,000 | 1,870,000 | 2,802,000 | 3,647,000 |
| Noninterest income | 778,000 | 1,357,000 | 1,919,000 | 2,486,000 |
| Noninterest expense | 1,248,000 | 2,375,000 | 3,575,000 | 4,672,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 446,000 | 822,000 | 1,101,000 | 1,401,000 |
| Income tax | 20,000 | 37,000 | 49,000 | 60,000 |
| Net income | 426,000 | 785,000 | 1,052,000 | 1,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,562,000 | 7,688,000 | 7,866,000 | 7,705,000 |
| Total capital | 8,250,000 | 8,421,000 | 8,578,000 | 8,393,000 |
| Risk-weighted assets | 76,434,000 | 77,173,000 | 75,247,000 | 78,266,000 |