Call reports 2006
KEYSTONE BANK, SSB — 2006
What KEYSTONE BANK, SSB reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 38,291,000 | 36,098,000 | 35,131,000 | 37,892,000 |
| Total loans | 14,357,000 | 14,759,000 | 15,241,000 | 15,114,000 |
| Allowance for loan losses | 192,000 | 194,000 | 175,000 | 206,000 |
| Securities available for sale | 16,426,000 | 16,207,000 | 16,350,000 | 15,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,201,000 | 32,122,000 | 30,858,000 | 33,556,000 |
| Interest-bearing deposits | 26,613,000 | 25,027,000 | 24,230,000 | 26,329,000 |
| Noninterest-bearing deposits | 7,588,000 | 7,095,000 | 6,628,000 | 7,227,000 |
| Equity capital | 4,024,000 | 3,902,000 | 4,168,000 | 4,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 510,000 | 1,017,000 | 1,514,000 | 2,021,000 |
| Interest expense | 163,000 | 338,000 | 523,000 | 721,000 |
| Net interest income | 347,000 | 679,000 | 991,000 | 1,300,000 |
| Noninterest income | 106,000 | 227,000 | 344,000 | 474,000 |
| Noninterest expense | 351,000 | 727,000 | 1,083,000 | 1,489,000 |
| Provision for loan losses | 0 | 38,000 | 42,000 | 42,000 |
| Pretax income | 102,000 | 141,000 | 210,000 | 243,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 102,000 | 141,000 | 210,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,403,000 | 4,443,000 | 4,512,000 | 4,294,000 |
| Total capital | 4,595,000 | 4,637,000 | 4,687,000 | 4,500,000 |
| Risk-weighted assets | 18,373,000 | 18,149,000 | 18,468,000 | 18,807,000 |