Call reports 2009
BANK OF KEYSTONE — 2009
What BANK OF KEYSTONE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 44,171,000 | 46,031,000 | 43,538,000 | 48,871,000 |
| Total loans | 31,180,000 | 33,192,000 | 33,698,000 | 31,363,000 |
| Allowance for loan losses | 510,000 | 418,000 | 412,000 | 487,000 |
| Securities available for sale | 3,458,000 | 3,453,000 | 3,481,000 | 3,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,142,000 | 40,974,000 | 38,460,000 | 43,797,000 |
| Interest-bearing deposits | 34,177,000 | 36,686,000 | 33,737,000 | 35,126,000 |
| Noninterest-bearing deposits | 4,965,000 | 4,288,000 | 4,723,000 | 8,671,000 |
| Equity capital | 4,838,000 | 4,888,000 | 4,934,000 | 4,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 593,000 | 1,183,000 | 1,790,000 | 2,375,000 |
| Interest expense | 172,000 | 341,000 | 506,000 | 650,000 |
| Net interest income | 421,000 | 842,000 | 1,284,000 | 1,725,000 |
| Noninterest income | 49,000 | 93,000 | 139,000 | 185,000 |
| Noninterest expense | 351,000 | 711,000 | 1,068,000 | 1,410,000 |
| Provision for loan losses | 0 | 30,000 | 120,000 | 195,000 |
| Pretax income | 119,000 | 194,000 | 235,000 | 305,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 18,000 |
| Net income | 115,000 | 186,000 | 223,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,821,000 | 4,862,000 | 4,898,000 | 4,962,000 |
| Total capital | 5,264,000 | 5,280,000 | 5,310,000 | 5,413,000 |
| Risk-weighted assets | 35,409,000 | 37,530,000 | 37,019,000 | 36,007,000 |