Call reports 2006
BANK OF KEYSTONE — 2006
What BANK OF KEYSTONE 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 | 36,545,000 | 37,178,000 | 39,366,000 | 38,338,000 |
| Total loans | 25,985,000 | 27,937,000 | 31,221,000 | 28,638,000 |
| Allowance for loan losses | 546,000 | 546,000 | 546,000 | 476,000 |
| Securities available for sale | 5,530,000 | 4,899,000 | 4,916,000 | 4,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,339,000 | 32,449,000 | 32,082,000 | 33,979,000 |
| Interest-bearing deposits | 29,207,000 | 28,741,000 | 28,740,000 | 29,863,000 |
| Noninterest-bearing deposits | 3,132,000 | 3,708,000 | 3,342,000 | 4,116,000 |
| Equity capital | 3,838,000 | 3,904,000 | 4,015,000 | 4,010,000 |
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 | 596,000 | 1,242,000 | 1,929,000 | 2,615,000 |
| Interest expense | 223,000 | 462,000 | 729,000 | 999,000 |
| Net interest income | 373,000 | 780,000 | 1,200,000 | 1,616,000 |
| Noninterest income | 49,000 | 99,000 | 152,000 | 195,000 |
| Noninterest expense | 303,000 | 615,000 | 924,000 | 1,245,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 119,000 | 264,000 | 428,000 | 566,000 |
| Income tax | 49,000 | 93,000 | 156,000 | 196,000 |
| Net income | 70,000 | 171,000 | 272,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,890,000 | 3,970,000 | 4,049,000 | 4,035,000 |
| Total capital | 4,263,000 | 4,365,000 | 4,487,000 | 4,443,000 |
| Risk-weighted assets | 29,694,000 | 31,465,000 | 34,951,000 | 32,595,000 |