Call reports 2008
BANK OF KEYSTONE — 2008
What BANK OF KEYSTONE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 42,688,000 | 42,790,000 | 45,752,000 | 45,019,000 |
| Total loans | 29,757,000 | 34,283,000 | 36,824,000 | 32,933,000 |
| Allowance for loan losses | 532,000 | 536,000 | 546,000 | 510,000 |
| Securities available for sale | 4,613,000 | 4,340,000 | 4,171,000 | 3,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,894,000 | 37,563,000 | 37,285,000 | 39,834,000 |
| Interest-bearing deposits | 34,320,000 | 34,071,000 | 33,321,000 | 34,508,000 |
| Noninterest-bearing deposits | 3,574,000 | 3,492,000 | 3,964,000 | 5,326,000 |
| Equity capital | 4,393,000 | 4,513,000 | 4,754,000 | 4,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 687,000 | 1,379,000 | 2,120,000 | 2,841,000 |
| Interest expense | 257,000 | 478,000 | 703,000 | 909,000 |
| Net interest income | 430,000 | 901,000 | 1,417,000 | 1,932,000 |
| Noninterest income | 54,000 | 101,000 | 147,000 | 191,000 |
| Noninterest expense | 320,000 | 647,000 | 986,000 | 1,363,000 |
| Provision for loan losses | 6,000 | 10,000 | 20,000 | 130,000 |
| Pretax income | 158,000 | 345,000 | 558,000 | 630,000 |
| Income tax | 4,000 | 8,000 | 12,000 | -22,000 |
| Net income | 154,000 | 337,000 | 546,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,351,000 | 4,533,000 | 4,748,000 | 4,855,000 |
| Total capital | 4,776,000 | 5,008,000 | 5,257,000 | 5,324,000 |
| Risk-weighted assets | 33,869,000 | 37,920,000 | 40,694,000 | 37,503,000 |
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