Call reports 2003
BANK OF KEYSTONE — 2003
What BANK OF KEYSTONE 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 | 28,248,000 | 27,008,000 | 27,562,000 | 25,815,000 |
| Total loans | 18,301,000 | 17,649,000 | 19,087,000 | 16,390,000 |
| Allowance for loan losses | 405,000 | 417,000 | 430,000 | 310,000 |
| Securities available for sale | 2,593,000 | 2,503,000 | 2,501,000 | 2,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,589,000 | 24,337,000 | 22,770,000 | 23,176,000 |
| Interest-bearing deposits | 23,036,000 | 21,847,000 | 19,650,000 | 20,318,000 |
| Noninterest-bearing deposits | 2,553,000 | 2,490,000 | 3,120,000 | 2,858,000 |
| Equity capital | 2,290,000 | 2,331,000 | 2,359,000 | 2,365,000 |
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 | 419,000 | 803,000 | 1,199,000 | 1,568,000 |
| Interest expense | 153,000 | 288,000 | 416,000 | 534,000 |
| Net interest income | 266,000 | 515,000 | 783,000 | 1,034,000 |
| Noninterest income | 28,000 | 58,000 | 90,000 | 118,000 |
| Noninterest expense | 221,000 | 423,000 | 640,000 | 836,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 63,000 | 125,000 | 193,000 | 261,000 |
| Income tax | 20,000 | 47,000 | 71,000 | 88,000 |
| Net income | 43,000 | 78,000 | 122,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,229,000 | 2,263,000 | 2,293,000 | 2,324,000 |
| Total capital | 2,552,000 | 2,573,000 | 2,623,000 | 2,621,000 |
| Risk-weighted assets | 20,904,000 | 19,797,000 | 21,360,000 | 18,862,000 |