Call reports 2008
KEYSTONE STATE SAVINGS BANK — 2008
What KEYSTONE STATE SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 26,105,000 | 25,994,000 | 25,650,000 | 24,597,000 |
| Total loans | 3,019,000 | 2,944,000 | 3,706,000 | 4,137,000 |
| Allowance for loan losses | 47,000 | 47,000 | 47,000 | 47,000 |
| Securities available for sale | 172,000 | 171,000 | 135,000 | 105,000 |
| Securities held to maturity | 13,829,000 | 13,019,000 | 12,525,000 | 12,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,250,000 | 22,174,000 | 21,849,000 | 20,823,000 |
| Interest-bearing deposits | 21,656,000 | 21,564,000 | 21,275,000 | 20,156,000 |
| Noninterest-bearing deposits | 594,000 | 609,000 | 574,000 | 666,000 |
| Equity capital | 3,827,000 | 3,800,000 | 3,773,000 | 3,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 302,000 | 575,000 | 841,000 | 1,079,000 |
| Interest expense | 182,000 | 354,000 | 518,000 | 659,000 |
| Net interest income | 120,000 | 221,000 | 323,000 | 420,000 |
| Noninterest income | 6,000 | 11,000 | 16,000 | 22,000 |
| Noninterest expense | 141,000 | 276,000 | 412,000 | 550,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -15,000 | -44,000 | -73,000 | -108,000 |
| Income tax | 7,000 | 5,000 | 2,000 | -11,000 |
| Net income | -22,000 | -49,000 | -75,000 | -97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,820,000 | 3,794,000 | 3,767,000 | 3,746,000 |
| Total capital | 3,867,000 | 3,841,000 | 3,814,000 | 3,793,000 |
| Risk-weighted assets | 5,704,000 | 5,687,000 | 5,599,000 | 5,303,000 |