Call reports 2003
KEYSTONE NAZARETH BANK & TRUST COMPANY — 2003
What KEYSTONE NAZARETH BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,040,181,000 | 1,063,978,000 | 1,372,472,000 | 1,934,284,000 |
| Total loans | 536,582,000 | 561,637,000 | 587,495,000 | 894,753,000 |
| Allowance for loan losses | 2,689,000 | 2,814,000 | 2,941,000 | 7,910,000 |
| Securities available for sale | 400,154,000 | 390,422,000 | 337,980,000 | 729,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 802,389,000 | 819,905,000 | 826,076,000 | 1,387,309,000 |
| Interest-bearing deposits | 764,315,000 | 769,722,000 | 771,861,000 | 1,270,036,000 |
| Noninterest-bearing deposits | 38,074,000 | 50,183,000 | 54,215,000 | 117,273,000 |
| Equity capital | 114,295,000 | 117,470,000 | 118,053,000 | 302,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 14,198,000 | 27,805,000 | 41,055,000 | 59,237,000 |
| Interest expense | 5,303,000 | 10,294,000 | 14,952,000 | 21,208,000 |
| Net interest income | 8,895,000 | 17,511,000 | 26,103,000 | 38,029,000 |
| Noninterest income | 1,757,000 | 3,566,000 | 5,235,000 | 8,034,000 |
| Noninterest expense | 6,541,000 | 13,127,000 | 20,686,000 | 37,809,000 |
| Provision for loan losses | 62,000 | 388,000 | 856,000 | 2,952,000 |
| Pretax income | 4,049,000 | 7,564,000 | 9,798,000 | 5,053,000 |
| Income tax | 1,100,000 | 1,989,000 | 2,467,000 | 365,000 |
| Net income | 2,949,000 | 5,575,000 | 7,331,000 | 4,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,186,000 | 111,859,000 | 113,561,000 | 250,437,000 |
| Total capital | 111,875,000 | 114,673,000 | 116,502,000 | 258,379,000 |
| Risk-weighted assets | 592,117,000 | 629,509,000 | 715,234,000 | 1,066,043,000 |