Call reports 2004
FIRST KEYSTONE COMMUNITY BANK — 2004
What FIRST KEYSTONE COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 492,882,000 | 486,493,000 | 494,854,000 | 495,106,000 |
| Total loans | 230,615,000 | 235,501,000 | 234,009,000 | 233,800,000 |
| Allowance for loan losses | 3,649,000 | 3,700,000 | 4,314,000 | 3,828,000 |
| Securities available for sale | 229,125,000 | 217,046,000 | 220,496,000 | 227,531,000 |
| Securities held to maturity | 3,841,000 | 2,762,000 | 3,380,000 | 3,361,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,645,000 | 365,248,000 | 367,228,000 | 362,131,000 |
| Interest-bearing deposits | 328,689,000 | 332,815,000 | 324,355,000 | 326,324,000 |
| Noninterest-bearing deposits | 31,956,000 | 32,433,000 | 42,873,000 | 35,807,000 |
| Equity capital | 48,833,000 | 43,828,000 | 48,115,000 | 47,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,244,000 | 12,475,000 | 18,791,000 | 24,973,000 |
| Interest expense | 2,434,000 | 4,886,000 | 7,411,000 | 10,035,000 |
| Net interest income | 3,810,000 | 7,589,000 | 11,380,000 | 14,938,000 |
| Noninterest income | 881,000 | 1,728,000 | 2,630,000 | 3,515,000 |
| Noninterest expense | 2,224,000 | 4,574,000 | 6,825,000 | 9,344,000 |
| Provision for loan losses | 150,000 | 275,000 | 950,000 | 1,750,000 |
| Pretax income | 2,378,000 | 4,609,000 | 6,598,000 | 7,980,000 |
| Income tax | 524,000 | 987,000 | 1,309,000 | 1,489,000 |
| Net income | 1,854,000 | 3,622,000 | 5,289,000 | 6,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,287,000 | 41,011,000 | 42,495,000 | 42,943,000 |
| Total capital | 43,936,000 | 44,711,000 | 46,197,000 | 46,635,000 |
| Risk-weighted assets | 300,909,000 | 301,949,000 | 295,532,000 | 295,214,000 |