Call reports 2004
KEYSTONE STATE SAVINGS BANK — 2004
What KEYSTONE STATE SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 26,992,000 | 26,781,000 | 26,516,000 | 26,081,000 |
| Total loans | 4,256,000 | 3,258,000 | 3,188,000 | 3,589,000 |
| Allowance for loan losses | 47,000 | 47,000 | 47,000 | 47,000 |
| Securities available for sale | 515,000 | 491,000 | 481,000 | 464,000 |
| Securities held to maturity | 12,132,000 | 13,592,000 | 12,615,000 | 11,614,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,152,000 | 22,973,000 | 22,729,000 | 22,333,000 |
| Interest-bearing deposits | 22,551,000 | 22,295,000 | 21,996,000 | 21,540,000 |
| Noninterest-bearing deposits | 601,000 | 678,000 | 732,000 | 793,000 |
| Equity capital | 3,840,000 | 3,807,000 | 3,779,000 | 3,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 199,000 | 404,000 | 606,000 | 817,000 |
| Interest expense | 117,000 | 228,000 | 337,000 | 445,000 |
| Net interest income | 82,000 | 176,000 | 269,000 | 372,000 |
| Noninterest income | 6,000 | 11,000 | 17,000 | 24,000 |
| Noninterest expense | 151,000 | 294,000 | 437,000 | 595,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -63,000 | -107,000 | -151,000 | -199,000 |
| Income tax | -15,000 | -29,000 | -45,000 | -50,000 |
| Net income | -48,000 | -78,000 | -106,000 | -149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,818,000 | 3,787,000 | 3,760,000 | 3,718,000 |
| Total capital | 3,865,000 | 3,834,000 | 3,807,000 | 3,765,000 |
| Risk-weighted assets | 5,363,000 | 5,296,000 | 5,284,000 | 5,269,000 |