Call reports 2009
KEYSTONE BANK, SSB — 2009
What KEYSTONE BANK, SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 37,420,000 | 36,994,000 | 36,792,000 | 37,914,000 |
| Total loans | 18,663,000 | 18,589,000 | 19,230,000 | 19,373,000 |
| Allowance for loan losses | 228,000 | 222,000 | 291,000 | 259,000 |
| Securities available for sale | 14,732,000 | 13,949,000 | 13,862,000 | 14,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,517,000 | 32,056,000 | 31,714,000 | 32,735,000 |
| Interest-bearing deposits | 25,091,000 | 24,755,000 | 24,752,000 | 25,363,000 |
| Noninterest-bearing deposits | 7,426,000 | 7,301,000 | 6,962,000 | 7,372,000 |
| Equity capital | 4,847,000 | 4,838,000 | 4,986,000 | 4,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 504,000 | 991,000 | 1,474,000 | 1,963,000 |
| Interest expense | 99,000 | 181,000 | 254,000 | 319,000 |
| Net interest income | 405,000 | 810,000 | 1,220,000 | 1,644,000 |
| Noninterest income | 141,000 | 250,000 | 383,000 | 519,000 |
| Noninterest expense | 354,000 | 740,000 | 1,127,000 | 1,553,000 |
| Provision for loan losses | 0 | 0 | 83,000 | 48,000 |
| Pretax income | 192,000 | 320,000 | 393,000 | 562,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 192,000 | 320,000 | 393,000 | 562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,509,000 | 4,637,000 | 4,710,000 | 4,319,000 |
| Total capital | 4,737,000 | 4,859,000 | 4,967,000 | 4,578,000 |
| Risk-weighted assets | 20,337,000 | 20,003,000 | 20,542,000 | 20,897,000 |