Call reports 2007
KEYSTONE NAZARETH BANK & TRUST COMPANY — 2007
What KEYSTONE NAZARETH BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 2,936,002,000 | 2,925,234,000 | 2,912,527,000 | 2,932,615,000 |
| Total loans | 1,721,134,000 | 1,773,095,000 | 1,819,649,000 | 1,871,216,000 |
| Allowance for loan losses | 16,667,000 | 17,313,000 | 18,118,000 | 18,791,000 |
| Securities available for sale | 739,813,000 | 680,787,000 | 644,757,000 | 621,419,000 |
| Securities held to maturity | 32,452,000 | 30,125,000 | 28,710,000 | 27,019,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,958,583,000 | 2,001,475,000 | 1,939,956,000 | 1,972,456,000 |
| Interest-bearing deposits | 1,882,286,000 | 1,923,091,000 | 1,871,407,000 | 1,884,210,000 |
| Noninterest-bearing deposits | 76,297,000 | 78,384,000 | 68,549,000 | 88,246,000 |
| Equity capital | 358,724,000 | 328,671,000 | 327,789,000 | 321,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 37,062,000 | 74,772,000 | 112,620,000 | 151,055,000 |
| Interest expense | 19,188,000 | 38,961,000 | 59,410,000 | 80,672,000 |
| Net interest income | 17,874,000 | 35,811,000 | 53,210,000 | 70,383,000 |
| Noninterest income | 9,030,000 | 18,141,000 | 27,386,000 | 36,784,000 |
| Noninterest expense | 17,746,000 | 36,329,000 | 54,810,000 | 74,293,000 |
| Provision for loan losses | 0 | 645,000 | 1,458,000 | 2,678,000 |
| Pretax income | 9,694,000 | 15,355,000 | 22,706,000 | 28,574,000 |
| Income tax | 3,071,000 | 4,731,000 | 6,973,000 | 8,687,000 |
| Net income | 6,623,000 | 10,624,000 | 15,733,000 | 19,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 235,349,000 | 206,594,000 | 202,611,000 | 192,891,000 |
| Total capital | 252,016,000 | 223,907,000 | 220,729,000 | 211,682,000 |
| Risk-weighted assets | 1,965,321,000 | 2,029,010,000 | 2,056,158,000 | 2,095,862,000 |