Call reports 2012
BANK OF KEYSTONE — 2012
What BANK OF KEYSTONE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 56,019,000 | 53,239,000 | 55,660,000 | 62,438,000 |
| Total loans | 39,315,000 | 44,419,000 | 48,342,000 | 41,564,000 |
| Allowance for loan losses | 636,000 | 637,000 | 663,000 | 678,000 |
| Securities available for sale | 4,107,000 | 3,462,000 | 3,457,000 | 2,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,428,000 | 46,662,000 | 46,375,000 | 55,610,000 |
| Interest-bearing deposits | 42,886,000 | 41,031,000 | 40,882,000 | 43,863,000 |
| Noninterest-bearing deposits | 6,542,000 | 5,631,000 | 5,493,000 | 11,747,000 |
| Equity capital | 6,152,000 | 6,130,000 | 6,331,000 | 6,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 643,000 | 1,306,000 | 2,041,000 | 2,734,000 |
| Interest expense | 106,000 | 204,000 | 295,000 | 387,000 |
| Net interest income | 537,000 | 1,102,000 | 1,746,000 | 2,347,000 |
| Noninterest income | 46,000 | 92,000 | 146,000 | 250,000 |
| Noninterest expense | 379,000 | 1,005,000 | 1,370,000 | 1,820,000 |
| Provision for loan losses | 50,000 | 50,000 | 125,000 | 125,000 |
| Pretax income | 154,000 | 139,000 | 397,000 | 652,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 22,000 |
| Net income | 148,000 | 127,000 | 379,000 | 630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,138,000 | 6,117,000 | 6,315,000 | 6,411,000 |
| Total capital | 6,683,000 | 6,710,000 | 6,957,000 | 7,005,000 |
| Risk-weighted assets | 43,502,000 | 47,378,000 | 51,299,000 | 47,447,000 |