Call reports 2004
KEYSTONE NAZARETH BANK & TRUST COMPANY — 2004
What KEYSTONE NAZARETH BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 2,029,598,000 | 2,149,617,000 | 2,266,516,000 | 2,396,449,000 |
| Total loans | 926,261,000 | 977,603,000 | 1,008,699,000 | 1,013,920,000 |
| Allowance for loan losses | 9,000,000 | 9,519,000 | 9,905,000 | 10,461,000 |
| Securities available for sale | 832,898,000 | 850,883,000 | 955,059,000 | 1,025,577,000 |
| Securities held to maturity | 0 | 59,751,000 | 58,657,000 | 56,587,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,366,770,000 | 1,364,589,000 | 1,346,517,000 | 1,370,746,000 |
| Interest-bearing deposits | 1,249,377,000 | 1,250,014,000 | 1,239,145,000 | 1,340,320,000 |
| Noninterest-bearing deposits | 117,393,000 | 114,575,000 | 107,372,000 | 30,426,000 |
| Equity capital | 310,940,000 | 286,967,000 | 297,437,000 | 300,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 22,169,000 | 45,080,000 | 69,660,000 | 96,336,000 |
| Interest expense | 6,868,000 | 14,292,000 | 23,141,000 | 33,720,000 |
| Net interest income | 15,301,000 | 30,788,000 | 46,519,000 | 62,616,000 |
| Noninterest income | 3,918,000 | 7,178,000 | 10,515,000 | 14,616,000 |
| Noninterest expense | 12,371,000 | 24,629,000 | 37,250,000 | 49,948,000 |
| Provision for loan losses | 1,500,000 | 2,471,000 | 3,213,000 | 4,308,000 |
| Pretax income | 5,348,000 | 10,866,000 | 16,845,000 | 23,250,000 |
| Income tax | 1,294,000 | 2,649,000 | 4,084,000 | 5,566,000 |
| Net income | 4,054,000 | 8,217,000 | 12,761,000 | 17,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 255,438,000 | 243,954,000 | 248,723,000 | 246,033,000 |
| Total capital | 264,438,000 | 253,473,000 | 258,628,000 | 256,494,000 |
| Risk-weighted assets | 1,120,371,000 | 1,183,772,000 | 1,281,610,000 | 1,375,150,000 |