Call reports 2023
KEYSTONE BANK, SSB — 2023
What KEYSTONE BANK, SSB reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 780,420,000 | 783,793,000 | 821,933,000 | 850,745,000 |
| Total loans | 652,526,000 | 656,222,000 | 663,933,000 | 688,443,000 |
| Allowance for loan losses | 6,014,000 | 6,091,000 | 6,110,000 | 6,279,000 |
| Securities available for sale | 56,959,000 | 59,980,000 | 60,771,000 | 59,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 684,308,000 | 678,986,000 | 723,824,000 | 743,309,000 |
| Interest-bearing deposits | 545,801,000 | 548,968,000 | 585,906,000 | 602,519,000 |
| Noninterest-bearing deposits | 138,507,000 | 130,018,000 | 137,918,000 | 140,790,000 |
| Equity capital | 82,420,000 | 83,963,000 | 84,547,000 | 87,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,363,000 | 21,303,000 | 33,040,000 | 45,933,000 |
| Interest expense | 3,557,000 | 8,347,000 | 13,972,000 | 20,375,000 |
| Net interest income | 6,806,000 | 12,956,000 | 19,068,000 | 25,558,000 |
| Noninterest income | 204,000 | 443,000 | 655,000 | 853,000 |
| Noninterest expense | 4,119,000 | 8,035,000 | 12,421,000 | 16,961,000 |
| Provision for loan losses | 374,000 | 427,000 | 444,000 | 629,000 |
| Pretax income | 2,569,000 | 5,021,000 | 6,945,000 | 8,928,000 |
| Income tax | 564,000 | 1,089,000 | 1,518,000 | 2,006,000 |
| Net income | 2,005,000 | 3,932,000 | 5,427,000 | 6,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,739,000 | 81,728,000 | 83,293,000 | 84,872,000 |
| Total capital | 86,341,000 | 88,344,000 | 89,861,000 | 91,680,000 |
| Risk-weighted assets | 649,730,000 | 654,916,000 | 651,772,000 | 695,394,000 |