Call reports 2005
KEYSTONE BANK, SSB — 2005
What KEYSTONE BANK, SSB reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 35,683,000 | 35,338,000 | 34,754,000 | 37,869,000 |
| Total loans | 13,248,000 | 12,986,000 | 13,517,000 | 14,884,000 |
| Allowance for loan losses | 421,000 | 197,000 | 197,000 | 204,000 |
| Securities available for sale | 17,146,000 | 17,395,000 | 16,749,000 | 16,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,493,000 | 31,187,000 | 30,555,000 | 33,883,000 |
| Interest-bearing deposits | 25,714,000 | 24,962,000 | 23,823,000 | 25,139,000 |
| Noninterest-bearing deposits | 5,779,000 | 6,225,000 | 6,732,000 | 8,744,000 |
| Equity capital | 4,105,000 | 4,037,000 | 4,061,000 | 3,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 403,000 | 821,000 | 1,248,000 | 1,709,000 |
| Interest expense | 96,000 | 197,000 | 312,000 | 433,000 |
| Net interest income | 307,000 | 624,000 | 936,000 | 1,276,000 |
| Noninterest income | 174,000 | 311,000 | 428,000 | 554,000 |
| Noninterest expense | 391,000 | 734,000 | 1,074,000 | 1,450,000 |
| Provision for loan losses | 0 | 300,000 | 316,000 | 361,000 |
| Pretax income | 90,000 | -99,000 | -26,000 | 19,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 90,000 | -99,000 | -26,000 | 19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,373,000 | 4,183,000 | 4,256,000 | 4,301,000 |
| Total capital | 4,590,000 | 4,358,000 | 4,453,000 | 4,505,000 |
| Risk-weighted assets | 17,150,000 | 14,018,000 | 17,642,000 | 18,449,000 |