Call reports 2004
KEYSTONE BANK, SSB — 2004
What KEYSTONE BANK, SSB reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 37,231,000 | 35,391,000 | 34,790,000 | 36,796,000 |
| Total loans | 13,543,000 | 13,848,000 | 14,001,000 | 14,178,000 |
| Allowance for loan losses | 387,000 | 422,000 | 535,000 | 409,000 |
| Securities available for sale | 17,673,000 | 18,038,000 | 16,617,000 | 15,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,574,000 | 31,027,000 | 30,103,000 | 32,305,000 |
| Interest-bearing deposits | 26,927,000 | 25,549,000 | 24,513,000 | 26,264,000 |
| Noninterest-bearing deposits | 5,647,000 | 5,478,000 | 5,590,000 | 6,041,000 |
| Equity capital | 4,565,000 | 4,206,000 | 4,539,000 | 4,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 420,000 | 820,000 | 1,245,000 | 1,625,000 |
| Interest expense | 100,000 | 190,000 | 277,000 | 363,000 |
| Net interest income | 320,000 | 630,000 | 968,000 | 1,262,000 |
| Noninterest income | 115,000 | 227,000 | 366,000 | 484,000 |
| Noninterest expense | 345,000 | 708,000 | 1,029,000 | 1,381,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 165,000 |
| Pretax income | 90,000 | 155,000 | 213,000 | 211,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 90,000 | 155,000 | 213,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,386,000 | 4,451,000 | 4,509,000 | 4,282,000 |
| Total capital | 4,600,000 | 4,674,000 | 4,730,000 | 4,510,000 |
| Risk-weighted assets | 16,931,000 | 17,617,000 | 17,367,000 | 18,089,000 |