Call reports 2022
KEYSTONE BANK, SSB — 2022
What KEYSTONE BANK, SSB reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 599,002,000 | 686,459,000 | 758,900,000 | 758,627,000 |
| Total loans | 461,901,000 | 536,585,000 | 560,659,000 | 615,658,000 |
| Allowance for loan losses | 3,359,000 | 4,048,000 | 4,511,000 | 5,116,000 |
| Securities available for sale | 43,877,000 | 43,461,000 | 53,309,000 | 54,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,867,000 | 620,591,000 | 675,937,000 | 655,194,000 |
| Interest-bearing deposits | 344,476,000 | 444,929,000 | 480,430,000 | 496,167,000 |
| Noninterest-bearing deposits | 157,391,000 | 175,662,000 | 195,507,000 | 159,027,000 |
| Equity capital | 60,174,000 | 63,169,000 | 78,658,000 | 81,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,640,000 | 10,905,000 | 18,897,000 | 28,140,000 |
| Interest expense | 504,000 | 1,306,000 | 2,836,000 | 5,109,000 |
| Net interest income | 4,136,000 | 9,599,000 | 16,061,000 | 23,031,000 |
| Noninterest income | 648,000 | 957,000 | 1,169,000 | 2,064,000 |
| Noninterest expense | 2,948,000 | 6,440,000 | 10,308,000 | 14,234,000 |
| Provision for loan losses | 341,000 | 1,023,000 | 1,473,000 | 2,073,000 |
| Pretax income | 1,495,000 | 3,093,000 | 5,449,000 | 8,752,000 |
| Income tax | 326,000 | 681,000 | 1,213,000 | 1,925,000 |
| Net income | 1,169,000 | 2,412,000 | 4,236,000 | 6,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,835,000 | 59,142,000 | 75,945,000 | 78,600,000 |
| Total capital | 58,194,000 | 63,190,000 | 80,456,000 | 83,716,000 |
| Risk-weighted assets | 420,030,000 | 511,536,000 | 552,605,000 | 610,594,000 |