Call reports 2019
KEYSTONE BANK, SSB — 2019
What KEYSTONE BANK, SSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 84,022,000 | 149,312,000 | 178,723,000 | 201,119,000 |
| Total loans | 27,397,000 | 84,782,000 | 103,434,000 | 119,259,000 |
| Allowance for loan losses | 125,000 | 250,000 | 426,000 | 578,000 |
| Securities available for sale | 6,403,000 | 11,680,000 | 16,724,000 | 20,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,695,000 | 120,050,000 | 148,986,000 | 171,521,000 |
| Interest-bearing deposits | 37,006,000 | 72,496,000 | 81,908,000 | 122,194,000 |
| Noninterest-bearing deposits | 18,689,000 | 47,554,000 | 67,078,000 | 49,327,000 |
| Equity capital | 28,278,000 | 28,890,000 | 29,123,000 | 29,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 644,000 | 2,237,000 | 4,606,000 | 6,895,000 |
| Interest expense | 69,000 | 268,000 | 565,000 | 1,003,000 |
| Net interest income | 575,000 | 1,969,000 | 4,041,000 | 5,892,000 |
| Noninterest income | 72,000 | 177,000 | 281,000 | 438,000 |
| Noninterest expense | 884,000 | 2,349,000 | 4,088,000 | 5,997,000 |
| Provision for loan losses | 106,000 | 233,000 | 412,000 | 566,000 |
| Pretax income | -343,000 | -436,000 | -178,000 | -233,000 |
| Income tax | -76,000 | -96,000 | -40,000 | -149,000 |
| Net income | -267,000 | -340,000 | -138,000 | -84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,762,000 | 20,893,000 | 21,156,000 | 21,325,000 |
| Total capital | 26,887,000 | 21,143,000 | 21,582,000 | 21,903,000 |
| Risk-weighted assets | 37,437,000 | 94,261,000 | 115,929,000 | 126,866,000 |