Call reports 2014
KEYSTONE BANK, SSB — 2014
What KEYSTONE BANK, SSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 44,759,000 | 46,725,000 | 44,747,000 | 45,809,000 |
| Total loans | 18,698,000 | 18,270,000 | 17,519,000 | 17,149,000 |
| Allowance for loan losses | 321,000 | 315,000 | 324,000 | 327,000 |
| Securities available for sale | 18,667,000 | 21,220,000 | 20,661,000 | 22,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,246,000 | 41,907,000 | 39,895,000 | 40,907,000 |
| Interest-bearing deposits | 27,127,000 | 27,532,000 | 26,875,000 | 27,645,000 |
| Noninterest-bearing deposits | 13,119,000 | 14,375,000 | 13,020,000 | 13,262,000 |
| Equity capital | 4,394,000 | 4,659,000 | 4,678,000 | 4,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 399,000 | 788,000 | 1,189,000 | 1,576,000 |
| Interest expense | 19,000 | 38,000 | 56,000 | 75,000 |
| Net interest income | 380,000 | 750,000 | 1,133,000 | 1,501,000 |
| Noninterest income | 94,000 | 183,000 | 280,000 | 383,000 |
| Noninterest expense | 389,000 | 768,000 | 1,147,000 | 1,544,000 |
| Provision for loan losses | 5,000 | 5,000 | 20,000 | 20,000 |
| Pretax income | 80,000 | 213,000 | 309,000 | 383,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 80,000 | 213,000 | 309,000 | 383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,409,000 | 4,543,000 | 4,638,000 | 4,333,000 |
| Total capital | 4,678,000 | 4,814,000 | 4,898,000 | 4,596,000 |
| Risk-weighted assets | 21,496,000 | 21,616,000 | 20,753,000 | 20,983,000 |