Call reports 2011
BANK OF KEYSTONE — 2011
What BANK OF KEYSTONE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 51,741,000 | 52,992,000 | 53,281,000 | 55,995,000 |
| Total loans | 37,294,000 | 41,972,000 | 44,653,000 | 40,972,000 |
| Allowance for loan losses | 550,000 | 542,000 | 568,000 | 594,000 |
| Securities available for sale | 4,540,000 | 4,512,000 | 3,901,000 | 5,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,730,000 | 46,764,000 | 44,827,000 | 49,576,000 |
| Interest-bearing deposits | 39,908,000 | 40,799,000 | 39,659,000 | 41,637,000 |
| Noninterest-bearing deposits | 5,822,000 | 5,965,000 | 5,168,000 | 7,939,000 |
| Equity capital | 5,549,000 | 5,753,000 | 5,961,000 | 6,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 606,000 | 1,274,000 | 1,999,000 | 2,696,000 |
| Interest expense | 116,000 | 230,000 | 342,000 | 449,000 |
| Net interest income | 490,000 | 1,044,000 | 1,657,000 | 2,247,000 |
| Noninterest income | 46,000 | 96,000 | 146,000 | 207,000 |
| Noninterest expense | 372,000 | 753,000 | 1,135,000 | 1,548,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 50,000 |
| Pretax income | 164,000 | 387,000 | 643,000 | 856,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 22,000 |
| Net income | 158,000 | 375,000 | 625,000 | 834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,554,000 | 5,725,000 | 5,931,000 | 5,989,000 |
| Total capital | 6,069,000 | 6,267,000 | 6,499,000 | 6,556,000 |
| Risk-weighted assets | 41,189,000 | 45,326,000 | 47,817,000 | 45,305,000 |