Call reports 2025
KEYSTONE BANK, SSB — 2025
What KEYSTONE BANK, SSB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,016,662,000 | 1,019,692,000 | 1,054,516,000 | 1,018,424,000 |
| Total loans | 784,506,000 | 823,157,000 | 844,477,000 | 814,886,000 |
| Allowance for loan losses | 7,256,000 | 7,699,000 | 7,955,000 | 7,843,000 |
| Securities available for sale | 75,159,000 | 70,649,000 | 67,795,000 | 73,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 862,270,000 | 868,169,000 | 898,894,000 | 864,854,000 |
| Interest-bearing deposits | 702,602,000 | 709,466,000 | 759,038,000 | 712,839,000 |
| Noninterest-bearing deposits | 159,668,000 | 158,703,000 | 139,856,000 | 152,015,000 |
| Equity capital | 97,906,000 | 100,261,000 | 103,746,000 | 103,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 15,008,000 | 30,831,000 | 47,464,000 | 63,941,000 |
| Interest expense | 6,795,000 | 13,851,000 | 21,185,000 | 28,374,000 |
| Net interest income | 8,213,000 | 16,980,000 | 26,279,000 | 35,567,000 |
| Noninterest income | 291,000 | 688,000 | 932,000 | 1,384,000 |
| Noninterest expense | 5,372,000 | 10,898,000 | 16,640,000 | 21,899,000 |
| Provision for loan losses | 123,000 | 565,000 | 818,000 | 5,628,000 |
| Pretax income | 2,990,000 | 6,191,000 | 9,763,000 | 9,526,000 |
| Income tax | 669,000 | 1,366,000 | 2,165,000 | 2,173,000 |
| Net income | 2,321,000 | 4,825,000 | 7,598,000 | 7,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,713,000 | 97,277,000 | 100,111,000 | 99,929,000 |
| Total capital | 102,526,000 | 105,537,000 | 108,601,000 | 108,223,000 |
| Risk-weighted assets | 803,899,000 | 837,279,000 | 862,349,000 | 834,823,000 |