Call reports 2008
KEYSTONE BANK, SSB — 2008
What KEYSTONE BANK, SSB reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 37,049,000 | 37,637,000 | 36,583,000 | 37,916,000 |
| Total loans | 17,823,000 | 18,036,000 | 18,464,000 | 18,610,000 |
| Allowance for loan losses | 202,000 | 205,000 | 231,000 | 227,000 |
| Securities available for sale | 13,186,000 | 13,226,000 | 13,213,000 | 14,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,344,000 | 33,046,000 | 31,721,000 | 32,848,000 |
| Interest-bearing deposits | 24,551,000 | 24,456,000 | 24,038,000 | 23,793,000 |
| Noninterest-bearing deposits | 7,793,000 | 8,590,000 | 7,683,000 | 9,055,000 |
| Equity capital | 4,606,000 | 4,481,000 | 4,743,000 | 4,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 1,024,000 | 1,538,000 | 2,052,000 |
| Interest expense | 175,000 | 322,000 | 450,000 | 566,000 |
| Net interest income | 333,000 | 702,000 | 1,088,000 | 1,486,000 |
| Noninterest income | 117,000 | 242,000 | 386,000 | 522,000 |
| Noninterest expense | 379,000 | 752,000 | 1,115,000 | 1,669,000 |
| Provision for loan losses | 0 | 0 | 19,000 | 19,000 |
| Pretax income | 76,000 | 197,000 | 345,000 | 325,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 76,000 | 197,000 | 345,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,391,000 | 4,512,000 | 4,661,000 | 4,317,000 |
| Total capital | 4,593,000 | 4,717,000 | 4,892,000 | 4,544,000 |
| Risk-weighted assets | 20,280,000 | 20,666,000 | 20,443,000 | 20,282,000 |