Call reports 2024
KEYSTONE BANK, SSB — 2024
What KEYSTONE BANK, SSB reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 917,072,000 | 926,379,000 | 935,860,000 | 939,949,000 |
| Total loans | 720,677,000 | 752,232,000 | 740,584,000 | 770,363,000 |
| Allowance for loan losses | 6,500,000 | 6,872,000 | 6,877,000 | 7,135,000 |
| Securities available for sale | 87,825,000 | 85,960,000 | 84,737,000 | 77,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 758,022,000 | 770,588,000 | 789,985,000 | 794,912,000 |
| Interest-bearing deposits | 621,465,000 | 635,694,000 | 660,481,000 | 646,744,000 |
| Noninterest-bearing deposits | 136,557,000 | 134,894,000 | 129,504,000 | 148,168,000 |
| Equity capital | 88,611,000 | 90,736,000 | 94,196,000 | 94,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 13,205,000 | 27,788,000 | 42,832,000 | 57,634,000 |
| Interest expense | 6,646,000 | 14,043,000 | 21,861,000 | 28,827,000 |
| Net interest income | 6,559,000 | 13,745,000 | 20,971,000 | 28,807,000 |
| Noninterest income | 392,000 | 684,000 | 1,089,000 | 1,517,000 |
| Noninterest expense | 4,565,000 | 9,380,000 | 14,601,000 | 20,097,000 |
| Provision for loan losses | 232,000 | 608,000 | 608,000 | 900,000 |
| Pretax income | 2,198,000 | 4,515,000 | 6,946,000 | 9,330,000 |
| Income tax | 490,000 | 1,020,000 | 1,572,000 | 2,117,000 |
| Net income | 1,708,000 | 3,495,000 | 5,374,000 | 7,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,641,000 | 88,490,000 | 90,430,000 | 92,329,000 |
| Total capital | 93,603,000 | 95,787,000 | 97,786,000 | 99,971,000 |
| Risk-weighted assets | 719,974,000 | 742,532,000 | 741,304,000 | 779,189,000 |