Call reports 2007
KEYSTONE BANK, SSB — 2007
What KEYSTONE BANK, SSB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 38,777,000 | 33,452,000 | 34,445,000 | 34,952,000 |
| Total loans | 15,648,000 | 16,691,000 | 17,851,000 | 18,352,000 |
| Allowance for loan losses | 197,000 | 193,000 | 239,000 | 219,000 |
| Securities available for sale | 15,887,000 | 13,785,000 | 12,892,000 | 11,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,518,000 | 29,140,000 | 29,919,000 | 30,221,000 |
| Interest-bearing deposits | 27,907,000 | 23,011,000 | 22,616,000 | 23,456,000 |
| Noninterest-bearing deposits | 6,611,000 | 6,129,000 | 7,303,000 | 6,765,000 |
| Equity capital | 4,172,000 | 4,216,000 | 4,425,000 | 4,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 551,000 | 1,089,000 | 1,600,000 | 2,135,000 |
| Interest expense | 245,000 | 478,000 | 677,000 | 865,000 |
| Net interest income | 306,000 | 611,000 | 923,000 | 1,270,000 |
| Noninterest income | 140,000 | 281,000 | 419,000 | 550,000 |
| Noninterest expense | 358,000 | 702,000 | 1,060,000 | 1,462,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 10,000 |
| Pretax income | 88,000 | 178,000 | 205,000 | 321,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 88,000 | 178,000 | 205,000 | 321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,383,000 | 4,473,000 | 4,499,000 | 4,315,000 |
| Total capital | 4,580,000 | 4,666,000 | 4,738,000 | 4,534,000 |
| Risk-weighted assets | 19,368,000 | 19,005,000 | 19,960,000 | 20,233,000 |