Call reports 2010
BANK OF KEYSTONE — 2010
What BANK OF KEYSTONE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 48,795,000 | 46,398,000 | 46,146,000 | 52,402,000 |
| Total loans | 32,278,000 | 34,795,000 | 36,232,000 | 37,038,000 |
| Allowance for loan losses | 517,000 | 517,000 | 490,000 | 509,000 |
| Securities available for sale | 4,792,000 | 4,977,000 | 4,523,000 | 5,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,513,000 | 40,935,000 | 40,289,000 | 46,554,000 |
| Interest-bearing deposits | 38,692,000 | 36,656,000 | 36,507,000 | 39,585,000 |
| Noninterest-bearing deposits | 4,821,000 | 4,279,000 | 3,782,000 | 6,969,000 |
| Equity capital | 5,073,000 | 5,245,000 | 5,355,000 | 5,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 559,000 | 1,164,000 | 1,783,000 | 2,396,000 |
| Interest expense | 131,000 | 254,000 | 370,000 | 489,000 |
| Net interest income | 428,000 | 910,000 | 1,413,000 | 1,907,000 |
| Noninterest income | 36,000 | 80,000 | 129,000 | 174,000 |
| Noninterest expense | 333,000 | 672,000 | 1,039,000 | 1,367,000 |
| Provision for loan losses | 30,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 101,000 | 288,000 | 443,000 | 624,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | 95,000 | 276,000 | 425,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,058,000 | 5,201,000 | 5,313,000 | 5,412,000 |
| Total capital | 5,518,000 | 5,679,000 | 5,803,000 | 5,921,000 |
| Risk-weighted assets | 36,740,000 | 38,183,000 | 39,432,000 | 41,423,000 |