Call reports 2012
KEYSTONE BANK, SSB — 2012
What KEYSTONE BANK, SSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 44,681,000 | 45,169,000 | 43,202,000 | 42,427,000 |
| Total loans | 19,921,000 | 19,443,000 | 18,464,000 | 18,264,000 |
| Allowance for loan losses | 271,000 | 275,000 | 281,000 | 274,000 |
| Securities available for sale | 18,124,000 | 16,899,000 | 18,372,000 | 19,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,851,000 | 40,301,000 | 38,061,000 | 37,392,000 |
| Interest-bearing deposits | 28,714,000 | 28,839,000 | 27,367,000 | 27,353,000 |
| Noninterest-bearing deposits | 11,137,000 | 11,462,000 | 10,694,000 | 10,039,000 |
| Equity capital | 4,747,000 | 4,780,000 | 5,019,000 | 4,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 438,000 | 859,000 | 1,276,000 | 1,675,000 |
| Interest expense | 39,000 | 75,000 | 111,000 | 140,000 |
| Net interest income | 399,000 | 784,000 | 1,165,000 | 1,535,000 |
| Noninterest income | 103,000 | 200,000 | 311,000 | 412,000 |
| Noninterest expense | 397,000 | 793,000 | 1,180,000 | 1,612,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 105,000 | 191,000 | 296,000 | 369,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 105,000 | 191,000 | 296,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,428,000 | 4,515,000 | 4,619,000 | 4,325,000 |
| Total capital | 4,698,000 | 4,783,000 | 4,879,000 | 4,579,000 |
| Risk-weighted assets | 21,567,000 | 21,443,000 | 20,747,000 | 20,308,000 |