Call reports 2007
BANK OF KEYSTONE — 2007
What BANK OF KEYSTONE 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 | 38,157,000 | 40,523,000 | 43,028,000 | 42,006,000 |
| Total loans | 28,738,000 | 32,516,000 | 34,843,000 | 28,703,000 |
| Allowance for loan losses | 479,000 | 560,000 | 566,000 | 595,000 |
| Securities available for sale | 4,730,000 | 4,495,000 | 4,326,000 | 4,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,642,000 | 33,451,000 | 34,246,000 | 37,228,000 |
| Interest-bearing deposits | 30,272,000 | 29,786,000 | 29,759,000 | 32,259,000 |
| Noninterest-bearing deposits | 3,370,000 | 3,665,000 | 4,487,000 | 4,969,000 |
| Equity capital | 4,103,000 | 4,153,000 | 4,281,000 | 4,205,000 |
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 | 676,000 | 1,404,000 | 2,180,000 | 2,940,000 |
| Interest expense | 278,000 | 576,000 | 905,000 | 1,201,000 |
| Net interest income | 398,000 | 828,000 | 1,275,000 | 1,739,000 |
| Noninterest income | 48,000 | 95,000 | 146,000 | 196,000 |
| Noninterest expense | 285,000 | 615,000 | 917,000 | 1,249,000 |
| Provision for loan losses | 8,000 | 14,000 | 20,000 | 49,000 |
| Pretax income | 153,000 | 294,000 | 484,000 | 637,000 |
| Income tax | 53,000 | 106,000 | 176,000 | 208,000 |
| Net income | 100,000 | 188,000 | 308,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,122,000 | 4,190,000 | 4,290,000 | 4,202,000 |
| Total capital | 4,528,000 | 4,641,000 | 4,775,000 | 4,620,000 |
| Risk-weighted assets | 32,408,000 | 36,011,000 | 38,684,000 | 33,255,000 |