Call reports 2006
KEYSTONE NAZARETH BANK & TRUST COMPANY — 2006
What KEYSTONE NAZARETH BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 3,017,645,000 | 3,015,058,000 | 2,958,369,000 | 2,928,707,000 |
| Total loans | 1,489,169,000 | 1,539,512,000 | 1,591,949,000 | 1,621,257,000 |
| Allowance for loan losses | 15,963,000 | 16,600,000 | 16,630,000 | 17,044,000 |
| Securities available for sale | 1,053,765,000 | 937,916,000 | 876,959,000 | 857,307,000 |
| Securities held to maturity | 45,050,000 | 43,000,000 | 34,741,000 | 33,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,892,839,000 | 1,925,305,000 | 1,909,092,000 | 1,922,993,000 |
| Interest-bearing deposits | 1,812,889,000 | 1,845,314,000 | 1,829,344,000 | 1,840,336,000 |
| Noninterest-bearing deposits | 79,950,000 | 79,991,000 | 79,748,000 | 82,657,000 |
| Equity capital | 362,307,000 | 349,898,000 | 355,405,000 | 360,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 36,267,000 | 72,920,000 | 110,665,000 | 148,409,000 |
| Interest expense | 17,208,000 | 34,861,000 | 54,056,000 | 73,555,000 |
| Net interest income | 19,059,000 | 38,059,000 | 56,609,000 | 74,854,000 |
| Noninterest income | 8,670,000 | 17,507,000 | 26,086,000 | 38,295,000 |
| Noninterest expense | 17,979,000 | 36,146,000 | 54,115,000 | 72,671,000 |
| Provision for loan losses | 750,000 | 1,950,000 | 2,315,000 | 3,329,000 |
| Pretax income | 9,117,000 | 19,074,000 | 28,299,000 | 39,187,000 |
| Income tax | 2,636,000 | 5,669,000 | 8,578,000 | 12,064,000 |
| Net income | 6,481,000 | 13,405,000 | 19,721,000 | 27,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 248,332,000 | 236,903,000 | 234,151,000 | 239,722,000 |
| Total capital | 264,295,000 | 253,503,000 | 250,781,000 | 256,766,000 |
| Risk-weighted assets | 1,848,720,000 | 1,892,895,000 | 1,930,542,000 | 1,941,506,000 |