Call reports 2005
KEYSTONE STATE SAVINGS BANK — 2005
What KEYSTONE STATE SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,581,000 | 25,286,000 | 25,195,000 | 24,400,000 |
| Total loans | 3,502,000 | 3,328,000 | 3,216,000 | 3,166,000 |
| Allowance for loan losses | 47,000 | 47,000 | 47,000 | 47,000 |
| Securities available for sale | 445,000 | 430,000 | 316,000 | 309,000 |
| Securities held to maturity | 12,524,000 | 12,345,000 | 12,330,000 | 11,767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,863,000 | 21,576,000 | 21,472,000 | 20,663,000 |
| Interest-bearing deposits | 21,129,000 | 20,887,000 | 20,617,000 | 19,832,000 |
| Noninterest-bearing deposits | 734,000 | 689,000 | 855,000 | 830,000 |
| Equity capital | 3,709,000 | 3,702,000 | 3,713,000 | 3,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 228,000 | 471,000 | 730,000 | 1,002,000 |
| Interest expense | 105,000 | 211,000 | 323,000 | 440,000 |
| Net interest income | 123,000 | 260,000 | 407,000 | 562,000 |
| Noninterest income | 6,000 | 10,000 | 15,000 | 20,000 |
| Noninterest expense | 151,000 | 299,000 | 437,000 | 582,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -22,000 | -29,000 | -15,000 | 0 |
| Income tax | 1,000 | 1,000 | 1,000 | 3,000 |
| Net income | -23,000 | -30,000 | -16,000 | -3,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,696,000 | 3,689,000 | 3,702,000 | 3,718,000 |
| Total capital | 3,743,000 | 3,736,000 | 3,749,000 | 3,765,000 |
| Risk-weighted assets | 5,243,000 | 5,189,000 | 5,184,000 | 5,068,000 |