Call reports 2012
KEOKUK SAVINGS BANK AND TRUST COMPANY — 2012
What KEOKUK SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 109,485,000 | 114,492,000 | 108,720,000 | 108,989,000 |
| Total loans | 56,248,000 | 53,213,000 | 54,270,000 | 57,129,000 |
| Allowance for loan losses | 1,026,000 | 1,017,000 | 605,000 | 714,000 |
| Securities available for sale | 29,461,000 | 31,288,000 | 32,620,000 | 30,186,000 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,499,000 | 101,543,000 | 94,788,000 | 96,776,000 |
| Interest-bearing deposits | 80,992,000 | 86,714,000 | 80,624,000 | 81,755,000 |
| Noninterest-bearing deposits | 15,507,000 | 14,829,000 | 14,164,000 | 15,021,000 |
| Equity capital | 10,967,000 | 10,860,000 | 11,039,000 | 10,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 986,000 | 1,930,000 | 2,857,000 | 3,740,000 |
| Interest expense | 142,000 | 274,000 | 382,000 | 494,000 |
| Net interest income | 844,000 | 1,656,000 | 2,475,000 | 3,246,000 |
| Noninterest income | 540,000 | 1,110,000 | 1,647,000 | 2,187,000 |
| Noninterest expense | 1,121,000 | 2,283,000 | 3,420,000 | 4,634,000 |
| Provision for loan losses | 135,000 | 135,000 | 135,000 | 655,000 |
| Pretax income | 128,000 | 348,000 | 567,000 | 144,000 |
| Income tax | 6,000 | 13,000 | 24,000 | 0 |
| Net income | 122,000 | 335,000 | 543,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,638,000 | 8,679,000 | 8,713,000 | 8,141,000 |
| Total capital | 9,443,000 | 9,482,000 | 9,318,000 | 8,855,000 |
| Risk-weighted assets | 65,471,000 | 64,031,000 | 64,155,000 | 65,607,000 |