Call reports 2003
KEYSTONE STATE SAVINGS BANK — 2003
What KEYSTONE STATE SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 28,277,000 | 28,361,000 | 27,542,000 | 27,276,000 |
| Total loans | 6,588,000 | 5,745,000 | 4,694,000 | 4,489,000 |
| Allowance for loan losses | 47,000 | 47,000 | 47,000 | 47,000 |
| Securities available for sale | 776,000 | 695,000 | 603,000 | 547,000 |
| Securities held to maturity | 10,913,000 | 9,880,000 | 10,416,000 | 11,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,218,000 | 24,340,000 | 23,598,000 | 23,374,000 |
| Interest-bearing deposits | 23,599,000 | 23,777,000 | 23,061,000 | 22,802,000 |
| Noninterest-bearing deposits | 619,000 | 563,000 | 536,000 | 572,000 |
| Equity capital | 4,045,000 | 4,004,000 | 3,942,000 | 3,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 260,000 | 501,000 | 708,000 | 911,000 |
| Interest expense | 168,000 | 319,000 | 457,000 | 582,000 |
| Net interest income | 92,000 | 182,000 | 251,000 | 329,000 |
| Noninterest income | 5,000 | 12,000 | 19,000 | 25,000 |
| Noninterest expense | 141,000 | 283,000 | 426,000 | 575,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -44,000 | -89,000 | -156,000 | -221,000 |
| Income tax | -14,000 | -24,000 | -35,000 | -52,000 |
| Net income | -30,000 | -65,000 | -121,000 | -169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,004,000 | 3,969,000 | 3,913,000 | 3,865,000 |
| Total capital | 4,051,000 | 4,016,000 | 3,960,000 | 3,912,000 |
| Risk-weighted assets | 6,231,000 | 6,014,000 | 5,825,000 | 5,596,000 |