Call reports 2009
KEYSTONE STATE SAVINGS BANK — 2009
What KEYSTONE STATE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Total assets | 24,556,000 | 24,803,000 | 24,606,000 |
| Total loans | 3,984,000 | 3,707,000 | 3,504,000 |
| Allowance for loan losses | 47,000 | 47,000 | 47,000 |
| Securities available for sale | 99,000 | 97,000 | 67,000 |
| Securities held to maturity | 10,637,000 | 10,124,000 | 9,334,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 20,858,000 | 21,227,000 | 21,088,000 |
| Interest-bearing deposits | 20,054,000 | 20,414,000 | 20,296,000 |
| Noninterest-bearing deposits | 804,000 | 814,000 | 793,000 |
| Equity capital | 3,662,000 | 3,199,000 | 3,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Interest income | 236,000 | 443,000 | 625,000 |
| Interest expense | 118,000 | 233,000 | 343,000 |
| Net interest income | 118,000 | 210,000 | 282,000 |
| Noninterest income | 5,000 | 12,000 | 18,000 |
| Noninterest expense | 200,000 | 702,000 | 836,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | -77,000 | -480,000 | -536,000 |
| Income tax | 8,000 | 70,000 | 70,000 |
| Net income | -85,000 | -550,000 | -606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Tier 1 capital | 3,659,000 | 3,196,000 | 3,140,000 |
| Total capital | 3,706,000 | 3,243,000 | 3,187,000 |
| Risk-weighted assets | 5,252,000 | 5,221,000 | 5,155,000 |