Call reports 2005
KEYSTONE NAZARETH BANK & TRUST COMPANY — 2005
What KEYSTONE NAZARETH BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 2,410,381,000 | 3,131,168,000 | 3,126,682,000 | 3,093,462,000 |
| Total loans | 1,031,996,000 | 1,435,395,000 | 1,468,522,000 | 1,481,350,000 |
| Allowance for loan losses | 10,450,000 | 15,760,000 | 15,754,000 | 15,964,000 |
| Securities available for sale | 977,818,000 | 1,230,650,000 | 1,158,594,000 | 1,112,801,000 |
| Securities held to maturity | 54,999,000 | 52,447,000 | 48,833,000 | 47,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,388,372,000 | 1,781,931,000 | 1,790,667,000 | 1,867,014,000 |
| Interest-bearing deposits | 1,334,056,000 | 1,727,898,000 | 1,716,106,000 | 1,791,937,000 |
| Noninterest-bearing deposits | 54,316,000 | 54,033,000 | 74,561,000 | 75,077,000 |
| Equity capital | 298,566,000 | 409,343,000 | 393,987,000 | 381,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 26,745,000 | 58,249,000 | 94,698,000 | 131,828,000 |
| Interest expense | 10,891,000 | 24,534,000 | 40,751,000 | 58,580,000 |
| Net interest income | 15,854,000 | 33,715,000 | 53,947,000 | 73,248,000 |
| Noninterest income | 3,920,000 | 10,328,000 | 17,641,000 | 25,149,000 |
| Noninterest expense | 12,549,000 | 28,322,000 | 45,418,000 | 62,628,000 |
| Provision for loan losses | 734,000 | 1,268,000 | 1,928,000 | 2,780,000 |
| Pretax income | 6,908,000 | 15,329,000 | 25,388,000 | 34,179,000 |
| Income tax | 1,777,000 | 4,118,000 | 8,122,000 | 10,674,000 |
| Net income | 5,131,000 | 11,211,000 | 17,266,000 | 23,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 252,292,000 | 276,925,000 | 273,304,000 | 265,902,000 |
| Total capital | 262,742,000 | 292,685,000 | 289,058,000 | 281,866,000 |
| Risk-weighted assets | 1,398,477,000 | 1,845,709,000 | 1,854,452,000 | 1,859,083,000 |