Call reports 2003
KEYSTONE BANK, SSB — 2003
What KEYSTONE BANK, SSB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,067,000 | 38,142,000 | 36,478,000 | 37,728,000 |
| Total loans | 14,098,000 | 14,344,000 | 14,361,000 | 14,159,000 |
| Allowance for loan losses | 407,000 | 408,000 | 509,000 | 427,000 |
| Securities available for sale | 18,021,000 | 18,506,000 | 17,302,000 | 17,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,194,000 | 33,180,000 | 31,628,000 | 32,917,000 |
| Interest-bearing deposits | 27,560,000 | 27,370,000 | 26,041,000 | 26,967,000 |
| Noninterest-bearing deposits | 5,634,000 | 5,810,000 | 5,587,000 | 5,950,000 |
| Equity capital | 4,784,000 | 4,839,000 | 4,692,000 | 4,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 477,000 | 927,000 | 1,358,000 | 1,760,000 |
| Interest expense | 127,000 | 246,000 | 354,000 | 453,000 |
| Net interest income | 350,000 | 681,000 | 1,004,000 | 1,307,000 |
| Noninterest income | 123,000 | 238,000 | 376,000 | 517,000 |
| Noninterest expense | 344,000 | 679,000 | 1,017,000 | 1,372,000 |
| Provision for loan losses | 2,000 | 2,000 | 102,000 | 102,000 |
| Pretax income | 127,000 | 238,000 | 261,000 | 350,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 127,000 | 238,000 | 261,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,448,000 | 4,559,000 | 4,582,000 | 4,296,000 |
| Total capital | 4,675,000 | 4,786,000 | 4,806,000 | 4,522,000 |
| Risk-weighted assets | 17,995,000 | 18,014,000 | 17,648,000 | 17,866,000 |