Call reports 2003
FIRST KEYSTONE COMMUNITY BANK — 2003
What FIRST KEYSTONE COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 450,346,000 | 462,033,000 | 476,011,000 | 479,188,000 |
| Total loans | 203,239,000 | 211,933,000 | 219,089,000 | 229,073,000 |
| Allowance for loan losses | 3,300,000 | 3,346,000 | 3,402,000 | 3,524,000 |
| Securities available for sale | 212,002,000 | 219,903,000 | 227,381,000 | 218,220,000 |
| Securities held to maturity | 5,005,000 | 4,769,000 | 4,381,000 | 5,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,380,000 | 356,543,000 | 356,054,000 | 346,639,000 |
| Interest-bearing deposits | 316,922,000 | 324,954,000 | 323,974,000 | 316,584,000 |
| Noninterest-bearing deposits | 30,458,000 | 31,589,000 | 32,080,000 | 30,055,000 |
| Equity capital | 47,501,000 | 46,943,000 | 44,396,000 | 45,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,244,000 | 12,413,000 | 18,634,000 | 25,007,000 |
| Interest expense | 2,593,000 | 5,169,000 | 7,754,000 | 10,220,000 |
| Net interest income | 3,651,000 | 7,244,000 | 10,880,000 | 14,787,000 |
| Noninterest income | 711,000 | 1,479,000 | 2,233,000 | 2,976,000 |
| Noninterest expense | 2,007,000 | 4,024,000 | 6,120,000 | 8,319,000 |
| Provision for loan losses | 150,000 | 275,000 | 350,000 | 500,000 |
| Pretax income | 2,240,000 | 4,600,000 | 6,909,000 | 9,242,000 |
| Income tax | 465,000 | 976,000 | 1,464,000 | 1,957,000 |
| Net income | 1,775,000 | 3,624,000 | 5,445,000 | 7,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,067,000 | 38,511,000 | 39,485,000 | 40,528,000 |
| Total capital | 45,367,000 | 41,857,000 | 42,887,000 | 44,052,000 |
| Risk-weighted assets | 270,303,000 | 290,331,000 | 281,639,000 | 307,197,000 |