Call reports 2008
KEOKUK SAVINGS BANK AND TRUST COMPANY — 2008
What KEOKUK SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 107,431,000 | 110,250,000 | 104,279,000 | 106,675,000 |
| Total loans | 71,899,000 | 72,879,000 | 74,552,000 | 75,019,000 |
| Allowance for loan losses | 689,000 | 716,000 | 731,000 | 651,000 |
| Securities available for sale | 12,887,000 | 13,377,000 | 15,477,000 | 19,540,000 |
| Securities held to maturity | 3,000 | 3,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,561,000 | 96,931,000 | 89,789,000 | 90,759,000 |
| Interest-bearing deposits | 80,541,000 | 80,598,000 | 77,666,000 | 78,201,000 |
| Noninterest-bearing deposits | 13,020,000 | 16,333,000 | 12,123,000 | 12,558,000 |
| Equity capital | 10,489,000 | 10,329,000 | 11,305,000 | 11,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,470,000 | 2,888,000 | 4,283,000 | 5,678,000 |
| Interest expense | 557,000 | 1,019,000 | 1,424,000 | 1,796,000 |
| Net interest income | 913,000 | 1,869,000 | 2,859,000 | 3,882,000 |
| Noninterest income | 800,000 | 1,398,000 | 2,672,000 | 3,184,000 |
| Noninterest expense | 1,236,000 | 2,391,000 | 3,621,000 | 4,716,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 213,000 |
| Pretax income | 462,000 | 846,000 | 1,865,000 | 2,137,000 |
| Income tax | 17,000 | 33,000 | 75,000 | 85,000 |
| Net income | 445,000 | 813,000 | 1,790,000 | 2,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,897,000 | 7,931,000 | 8,830,000 | 8,688,000 |
| Total capital | 8,586,000 | 8,647,000 | 9,561,000 | 9,339,000 |
| Risk-weighted assets | 76,701,000 | 78,326,000 | 78,572,000 | 80,293,000 |