Call reports 2015
BANK OF KEYSTONE — 2015
What BANK OF KEYSTONE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,755,000 | 66,288,000 | 62,228,000 | 67,915,000 |
| Total loans | 42,596,000 | 44,876,000 | 46,767,000 | 44,206,000 |
| Allowance for loan losses | 686,000 | 688,000 | 688,000 | 664,000 |
| Securities available for sale | 8,088,000 | 7,521,000 | 6,846,000 | 5,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,661,000 | 58,135,000 | 53,817,000 | 59,686,000 |
| Interest-bearing deposits | 51,063,000 | 50,233,000 | 47,399,000 | 50,705,000 |
| Noninterest-bearing deposits | 8,598,000 | 7,902,000 | 6,418,000 | 8,981,000 |
| Equity capital | 7,638,000 | 7,675,000 | 7,905,000 | 7,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 670,000 | 1,336,000 | 2,047,000 | 2,731,000 |
| Interest expense | 82,000 | 165,000 | 247,000 | 330,000 |
| Net interest income | 588,000 | 1,171,000 | 1,800,000 | 2,401,000 |
| Noninterest income | 43,000 | 86,000 | 133,000 | 210,000 |
| Noninterest expense | 371,000 | 736,000 | 1,080,000 | 1,668,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 260,000 | 521,000 | 853,000 | 918,000 |
| Income tax | 6,000 | 13,000 | 20,000 | 0 |
| Net income | 254,000 | 508,000 | 833,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,638,000 | 7,675,000 | 7,844,000 | 7,818,000 |
| Total capital | 8,324,000 | 8,363,000 | 8,027,000 | 8,455,000 |
| Risk-weighted assets | 49,462,000 | 49,600,000 | 51,210,000 | 50,918,000 |