Call reports 2014
BANK OF KEYSTONE — 2014
What BANK OF KEYSTONE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 64,303,000 | 64,587,000 | 63,791,000 | 72,213,000 |
| Total loans | 41,813,000 | 46,158,000 | 49,633,000 | 46,003,000 |
| Allowance for loan losses | 618,000 | 640,000 | 651,000 | 677,000 |
| Securities available for sale | 7,181,000 | 7,237,000 | 7,364,000 | 8,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,694,000 | 56,741,000 | 55,743,000 | 64,378,000 |
| Interest-bearing deposits | 47,732,000 | 48,524,000 | 46,610,000 | 52,592,000 |
| Noninterest-bearing deposits | 8,962,000 | 8,217,000 | 9,133,000 | 11,786,000 |
| Equity capital | 7,127,000 | 7,336,000 | 7,521,000 | 7,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 645,000 | 1,317,000 | 2,041,000 | 2,751,000 |
| Interest expense | 83,000 | 167,000 | 248,000 | 331,000 |
| Net interest income | 562,000 | 1,150,000 | 1,793,000 | 2,420,000 |
| Noninterest income | 49,000 | 103,000 | 158,000 | 207,000 |
| Noninterest expense | 383,000 | 739,000 | 1,121,000 | 1,673,000 |
| Provision for loan losses | 0 | 20,000 | 30,000 | 55,000 |
| Pretax income | 228,000 | 494,000 | 800,000 | 899,000 |
| Income tax | 6,000 | 13,000 | 19,000 | 26,000 |
| Net income | 222,000 | 481,000 | 781,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,215,000 | 7,366,000 | 7,557,000 | 7,440,000 |
| Total capital | 7,808,000 | 8,003,000 | 8,208,000 | 8,104,000 |
| Risk-weighted assets | 47,390,000 | 50,974,000 | 53,826,000 | 53,129,000 |