Call reports 2005
BANK OF KEYSTONE — 2005
What BANK OF KEYSTONE 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 | 41,774,000 | 39,442,000 | 39,245,000 | 37,319,000 |
| Total loans | 25,517,000 | 26,329,000 | 29,458,000 | 27,974,000 |
| Allowance for loan losses | 543,000 | 546,000 | 547,000 | 545,000 |
| Securities available for sale | 3,680,000 | 5,242,000 | 5,413,000 | 5,366,000 |
| Securities held to maturity | 1,261,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,703,000 | 35,289,000 | 30,675,000 | 32,760,000 |
| Interest-bearing deposits | 30,813,000 | 32,043,000 | 27,019,000 | 28,726,000 |
| Noninterest-bearing deposits | 6,890,000 | 3,246,000 | 3,656,000 | 4,034,000 |
| Equity capital | 3,703,000 | 3,780,000 | 3,853,000 | 3,788,000 |
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 | 545,000 | 1,133,000 | 1,750,000 | 2,351,000 |
| Interest expense | 162,000 | 356,000 | 569,000 | 775,000 |
| Net interest income | 383,000 | 777,000 | 1,181,000 | 1,576,000 |
| Noninterest income | 43,000 | 92,000 | 143,000 | 184,000 |
| Noninterest expense | 261,000 | 530,000 | 820,000 | 1,162,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 165,000 | 339,000 | 504,000 | 598,000 |
| Income tax | 45,000 | 127,000 | 191,000 | 212,000 |
| Net income | 120,000 | 212,000 | 313,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,724,000 | 3,794,000 | 3,880,000 | 3,835,000 |
| Total capital | 4,097,000 | 4,172,000 | 4,293,000 | 4,227,000 |
| Risk-weighted assets | 29,669,000 | 30,067,000 | 32,888,000 | 31,240,000 |