Call reports 2016
KEYSTONE BANK, SSB — 2016
What KEYSTONE BANK, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 45,935,000 | 46,145,000 | 46,060,000 | 42,110,000 |
| Total loans | 17,829,000 | 16,949,000 | 17,232,000 | 16,564,000 |
| Allowance for loan losses | 337,000 | 306,000 | 304,000 | 265,000 |
| Securities available for sale | 23,348,000 | 23,285,000 | 24,256,000 | 21,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,390,000 | 41,412,000 | 41,217,000 | 37,797,000 |
| Interest-bearing deposits | 26,907,000 | 26,237,000 | 25,771,000 | 24,356,000 |
| Noninterest-bearing deposits | 14,483,000 | 15,175,000 | 15,446,000 | 13,441,000 |
| Equity capital | 4,453,000 | 4,603,000 | 4,727,000 | 3,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 793,000 | 1,177,000 | 1,557,000 |
| Interest expense | 17,000 | 34,000 | 51,000 | 66,000 |
| Net interest income | 387,000 | 759,000 | 1,126,000 | 1,491,000 |
| Noninterest income | 98,000 | 227,000 | 320,000 | 420,000 |
| Noninterest expense | 404,000 | 811,000 | 1,205,000 | 1,629,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 81,000 | 175,000 | 241,000 | 295,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 81,000 | 175,000 | 241,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,413,000 | 4,507,000 | 4,573,000 | 4,333,000 |
| Total capital | 4,687,000 | 4,772,000 | 4,843,000 | 4,588,000 |
| Risk-weighted assets | 21,896,000 | 21,201,000 | 21,619,000 | 20,428,000 |