Call reports 2001
KEYSTONE NAZARETH BANK & TRUST COMPANY — 2001
What KEYSTONE NAZARETH BANK & TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 874,161,000 | 892,377,000 | 901,329,000 | 922,619,000 |
| Total loans | 668,735,000 | 673,763,000 | 684,149,000 | 672,561,000 |
| Allowance for loan losses | 3,369,000 | 3,393,000 | 3,444,000 | 3,386,000 |
| Securities available for sale | 120,718,000 | 128,335,000 | 143,148,000 | 156,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 744,468,000 | 759,460,000 | 760,921,000 | 777,376,000 |
| Interest-bearing deposits | 717,755,000 | 730,670,000 | 735,518,000 | 747,457,000 |
| Noninterest-bearing deposits | 26,713,000 | 28,790,000 | 25,403,000 | 29,919,000 |
| Equity capital | 89,647,000 | 91,549,000 | 94,857,000 | 95,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 15,055,000 | 30,248,000 | 45,469,000 | 60,682,000 |
| Interest expense | 8,585,000 | 17,355,000 | 26,016,000 | 34,064,000 |
| Net interest income | 6,470,000 | 12,893,000 | 19,453,000 | 26,618,000 |
| Noninterest income | 746,000 | 2,023,000 | 3,154,000 | 4,552,000 |
| Noninterest expense | 4,475,000 | 9,172,000 | 13,982,000 | 19,377,000 |
| Provision for loan losses | 93,000 | 151,000 | 240,000 | 391,000 |
| Pretax income | 2,664,000 | 5,609,000 | 8,400,000 | 11,437,000 |
| Income tax | 879,000 | 1,765,000 | 2,594,000 | 3,326,000 |
| Net income | 1,785,000 | 3,844,000 | 5,806,000 | 8,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,896,000 | 89,942,000 | 91,922,000 | 94,230,000 |
| Total capital | 91,265,000 | 93,335,000 | 95,366,000 | 97,616,000 |
| Risk-weighted assets | 527,458,000 | 543,805,000 | 550,467,000 | 551,245,000 |