Call reports 2015
KEYSTONE BANK, SSB — 2015
What KEYSTONE BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 46,071,000 | 46,181,000 | 46,971,000 | 44,435,000 |
| Total loans | 16,740,000 | 17,661,000 | 17,717,000 | 17,187,000 |
| Allowance for loan losses | 330,000 | 330,000 | 332,000 | 331,000 |
| Securities available for sale | 22,017,000 | 23,959,000 | 23,754,000 | 24,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,410,000 | 41,527,000 | 42,149,000 | 39,775,000 |
| Interest-bearing deposits | 27,707,000 | 26,965,000 | 26,543,000 | 26,004,000 |
| Noninterest-bearing deposits | 13,703,000 | 14,562,000 | 15,606,000 | 13,771,000 |
| Equity capital | 4,575,000 | 4,560,000 | 4,697,000 | 4,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 386,000 | 757,000 | 1,150,000 | 1,547,000 |
| Interest expense | 18,000 | 37,000 | 56,000 | 72,000 |
| Net interest income | 368,000 | 720,000 | 1,094,000 | 1,475,000 |
| Noninterest income | 99,000 | 187,000 | 295,000 | 389,000 |
| Noninterest expense | 400,000 | 773,000 | 1,139,000 | 1,571,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 106,000 | 181,000 | 297,000 | 349,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 106,000 | 181,000 | 297,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,439,000 | 4,515,000 | 4,630,000 | 4,332,000 |
| Total capital | 4,700,000 | 4,785,000 | 4,902,000 | 4,597,000 |
| Risk-weighted assets | 20,862,000 | 21,576,000 | 21,715,000 | 21,153,000 |