Call reports 2004
BANK OF KEYSTONE — 2004
What BANK OF KEYSTONE 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 | 26,598,000 | 28,997,000 | 27,931,000 | 27,088,000 |
| Total loans | 15,799,000 | 17,770,000 | 18,317,000 | 16,729,000 |
| Allowance for loan losses | 325,000 | 324,000 | 324,000 | 324,000 |
| Securities available for sale | 2,987,000 | 3,610,000 | 3,639,000 | 3,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,904,000 | 26,336,000 | 25,159,000 | 24,375,000 |
| Interest-bearing deposits | 20,532,000 | 23,683,000 | 22,351,000 | 20,299,000 |
| Noninterest-bearing deposits | 3,372,000 | 2,653,000 | 2,808,000 | 4,076,000 |
| Equity capital | 2,400,000 | 2,381,000 | 2,455,000 | 2,494,000 |
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 | 333,000 | 684,000 | 1,079,000 | 1,456,000 |
| Interest expense | 103,000 | 200,000 | 303,000 | 415,000 |
| Net interest income | 230,000 | 484,000 | 776,000 | 1,041,000 |
| Noninterest income | 26,000 | 56,000 | 83,000 | 114,000 |
| Noninterest expense | 202,000 | 391,000 | 595,000 | 811,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 39,000 | 134,000 | 249,000 | 329,000 |
| Income tax | 14,000 | 48,000 | 94,000 | 115,000 |
| Net income | 25,000 | 86,000 | 155,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,349,000 | 2,380,000 | 2,436,000 | 2,493,000 |
| Total capital | 2,639,000 | 2,699,000 | 2,761,000 | 2,739,000 |
| Risk-weighted assets | 18,345,000 | 20,668,000 | 21,102,000 | 19,603,000 |