Call reports 2013
KEYSTONE BANK, SSB — 2013
What KEYSTONE BANK, SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 45,052,000 | 46,156,000 | 44,565,000 | 43,466,000 |
| Total loans | 18,377,000 | 18,611,000 | 19,490,000 | 19,467,000 |
| Allowance for loan losses | 301,000 | 294,000 | 312,000 | 312,000 |
| Securities available for sale | 18,252,000 | 18,468,000 | 17,232,000 | 17,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,303,000 | 41,527,000 | 39,869,000 | 38,786,000 |
| Interest-bearing deposits | 29,295,000 | 29,234,000 | 27,479,000 | 27,207,000 |
| Noninterest-bearing deposits | 11,008,000 | 12,293,000 | 12,390,000 | 11,579,000 |
| Equity capital | 4,676,000 | 4,532,000 | 4,547,000 | 4,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 396,000 | 773,000 | 1,153,000 | 1,559,000 |
| Interest expense | 25,000 | 49,000 | 73,000 | 94,000 |
| Net interest income | 371,000 | 724,000 | 1,080,000 | 1,465,000 |
| Noninterest income | 100,000 | 259,000 | 364,000 | 459,000 |
| Noninterest expense | 369,000 | 741,000 | 1,114,000 | 1,523,000 |
| Provision for loan losses | 25,000 | 61,000 | 76,000 | 76,000 |
| Pretax income | 77,000 | 181,000 | 254,000 | 325,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 77,000 | 181,000 | 254,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,403,000 | 4,506,000 | 4,579,000 | 4,330,000 |
| Total capital | 4,672,000 | 4,780,000 | 4,856,000 | 4,605,000 |
| Risk-weighted assets | 21,453,000 | 21,894,000 | 22,138,000 | 21,936,000 |