Call reports 2002
KEYSTONE NAZARETH BANK & TRUST COMPANY — 2002
What KEYSTONE NAZARETH BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 958,020,000 | 980,740,000 | 993,755,000 | 1,017,214,000 |
| Total loans | 555,047,000 | 581,119,000 | 596,770,000 | 583,771,000 |
| Allowance for loan losses | 2,790,000 | 2,922,000 | 2,996,000 | 2,927,000 |
| Securities available for sale | 261,057,000 | 306,377,000 | 319,745,000 | 294,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 792,490,000 | 796,745,000 | 774,117,000 | 777,835,000 |
| Interest-bearing deposits | 759,004,000 | 759,966,000 | 739,384,000 | 743,963,000 |
| Noninterest-bearing deposits | 33,486,000 | 36,779,000 | 34,733,000 | 33,872,000 |
| Equity capital | 99,189,000 | 104,596,000 | 109,436,000 | 111,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 14,916,000 | 29,653,000 | 44,828,000 | 59,645,000 |
| Interest expense | 7,156,000 | 14,075,000 | 20,595,000 | 26,416,000 |
| Net interest income | 7,760,000 | 15,578,000 | 24,233,000 | 33,229,000 |
| Noninterest income | 2,664,000 | 4,309,000 | 5,799,000 | 7,973,000 |
| Noninterest expense | 5,190,000 | 10,908,000 | 16,525,000 | 23,894,000 |
| Provision for loan losses | -444,000 | -248,000 | 53,000 | 111,000 |
| Pretax income | 5,678,000 | 9,228,000 | 13,455,000 | 17,198,000 |
| Income tax | 1,782,000 | 2,731,000 | 3,941,000 | 5,188,000 |
| Net income | 3,896,000 | 6,497,000 | 9,514,000 | 12,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,034,000 | 100,639,000 | 103,702,000 | 106,210,000 |
| Total capital | 100,824,000 | 103,561,000 | 106,698,000 | 109,137,000 |
| Risk-weighted assets | 533,144,000 | 561,066,000 | 574,121,000 | 583,778,000 |