Call reports 2021
KEYSTONE BANK, SSB — 2021
What KEYSTONE BANK, SSB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 404,059,000 | 432,792,000 | 450,666,000 | 494,821,000 |
| Total loans | 296,539,000 | 298,838,000 | 297,479,000 | 364,105,000 |
| Allowance for loan losses | 1,980,000 | 2,186,000 | 2,524,000 | 3,020,000 |
| Securities available for sale | 29,308,000 | 38,212,000 | 50,240,000 | 48,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,549,000 | 372,279,000 | 387,458,000 | 432,494,000 |
| Interest-bearing deposits | 212,394,000 | 236,447,000 | 257,991,000 | 274,578,000 |
| Noninterest-bearing deposits | 128,155,000 | 135,832,000 | 129,467,000 | 157,916,000 |
| Equity capital | 38,680,000 | 59,586,000 | 61,146,000 | 60,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,491,000 | 7,498,000 | 11,902,000 | 16,070,000 |
| Interest expense | 434,000 | 908,000 | 1,379,000 | 1,850,000 |
| Net interest income | 3,057,000 | 6,590,000 | 10,523,000 | 14,220,000 |
| Noninterest income | 323,000 | 646,000 | 1,037,000 | 1,421,000 |
| Noninterest expense | 2,178,000 | 4,997,000 | 7,955,000 | 11,212,000 |
| Provision for loan losses | 206,000 | 411,000 | 746,000 | 1,245,000 |
| Pretax income | 996,000 | 1,828,000 | 2,859,000 | 3,184,000 |
| Income tax | 194,000 | 407,000 | 646,000 | 721,000 |
| Net income | 802,000 | 1,421,000 | 2,213,000 | 2,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,579,000 | 51,759,000 | 53,334,000 | 53,645,000 |
| Total capital | 32,559,000 | 53,945,000 | 55,858,000 | 56,665,000 |
| Risk-weighted assets | 236,174,000 | 261,681,000 | 295,035,000 | 360,450,000 |