Call reports 2005
FIRST KEYSTONE COMMUNITY BANK — 2005
What FIRST KEYSTONE COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 496,049,000 | 502,753,000 | 524,318,000 | 510,055,000 |
| Total loans | 232,236,000 | 232,268,000 | 232,084,000 | 234,593,000 |
| Allowance for loan losses | 3,826,000 | 3,630,000 | 3,677,000 | 3,676,000 |
| Securities available for sale | 227,713,000 | 235,822,000 | 245,882,000 | 239,535,000 |
| Securities held to maturity | 3,317,000 | 3,265,000 | 3,257,000 | 4,248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,230,000 | 364,331,000 | 379,763,000 | 366,586,000 |
| Interest-bearing deposits | 327,779,000 | 325,154,000 | 337,187,000 | 326,919,000 |
| Noninterest-bearing deposits | 39,451,000 | 39,177,000 | 42,576,000 | 39,667,000 |
| Equity capital | 45,578,000 | 49,015,000 | 48,593,000 | 47,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,426,000 | 12,898,000 | 19,519,000 | 26,314,000 |
| Interest expense | 2,638,000 | 5,428,000 | 8,421,000 | 11,660,000 |
| Net interest income | 3,788,000 | 7,470,000 | 11,098,000 | 14,654,000 |
| Noninterest income | 746,000 | 1,576,000 | 2,402,000 | 3,362,000 |
| Noninterest expense | 2,313,000 | 4,667,000 | 6,901,000 | 9,501,000 |
| Provision for loan losses | 150,000 | 350,000 | 500,000 | 750,000 |
| Pretax income | 2,085,000 | 4,037,000 | 6,132,000 | 7,933,000 |
| Income tax | 363,000 | 673,000 | 1,017,000 | 1,270,000 |
| Net income | 1,722,000 | 3,364,000 | 5,115,000 | 6,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,668,000 | 44,434,000 | 45,310,000 | 45,892,000 |
| Total capital | 47,328,000 | 48,033,000 | 48,945,000 | 49,484,000 |
| Risk-weighted assets | 292,672,000 | 287,890,000 | 290,732,000 | 287,304,000 |