Call reports 2006
KEYSTONE STATE SAVINGS BANK — 2006
What KEYSTONE STATE SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 24,315,000 | 24,948,000 | 25,355,000 | 25,470,000 |
| Total loans | 3,008,000 | 3,001,000 | 3,008,000 | 3,052,000 |
| Allowance for loan losses | 47,000 | 47,000 | 47,000 | 47,000 |
| Securities available for sale | 293,000 | 273,000 | 254,000 | 253,000 |
| Securities held to maturity | 11,907,000 | 11,279,000 | 11,142,000 | 10,735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,557,000 | 21,167,000 | 21,531,000 | 21,637,000 |
| Interest-bearing deposits | 19,716,000 | 20,496,000 | 20,836,000 | 20,905,000 |
| Noninterest-bearing deposits | 841,000 | 671,000 | 695,000 | 731,000 |
| Equity capital | 3,741,000 | 3,772,000 | 3,799,000 | 3,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 282,000 | 589,000 | 913,000 | 1,251,000 |
| Interest expense | 119,000 | 254,000 | 407,000 | 573,000 |
| Net interest income | 163,000 | 335,000 | 506,000 | 678,000 |
| Noninterest income | 5,000 | 9,000 | 14,000 | 18,000 |
| Noninterest expense | 150,000 | 293,000 | 437,000 | 597,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 18,000 | 51,000 | 83,000 | 99,000 |
| Income tax | 1,000 | 3,000 | 6,000 | 18,000 |
| Net income | 17,000 | 48,000 | 77,000 | 81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,733,000 | 3,765,000 | 3,792,000 | 3,797,000 |
| Total capital | 3,780,000 | 3,812,000 | 3,839,000 | 3,844,000 |
| Risk-weighted assets | 5,090,000 | 5,270,000 | 5,391,000 | 5,459,000 |