Call reports 2006
FIRST KEYSTONE COMMUNITY BANK — 2006
What FIRST KEYSTONE COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 510,798,000 | 512,840,000 | 518,679,000 | 522,709,000 |
| Total loans | 239,713,000 | 246,087,000 | 251,257,000 | 251,757,000 |
| Allowance for loan losses | 3,688,000 | 3,666,000 | 3,622,000 | 3,671,000 |
| Securities available for sale | 232,943,000 | 225,465,000 | 228,374,000 | 228,686,000 |
| Securities held to maturity | 5,234,000 | 7,146,000 | 6,932,000 | 6,929,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,910,000 | 376,508,000 | 388,308,000 | 385,668,000 |
| Interest-bearing deposits | 331,704,000 | 337,654,000 | 349,459,000 | 344,301,000 |
| Noninterest-bearing deposits | 41,206,000 | 38,854,000 | 38,849,000 | 41,367,000 |
| Equity capital | 46,826,000 | 44,112,000 | 48,557,000 | 48,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,840,000 | 13,872,000 | 21,086,000 | 28,488,000 |
| Interest expense | 3,352,000 | 6,988,000 | 10,906,000 | 15,007,000 |
| Net interest income | 3,488,000 | 6,884,000 | 10,180,000 | 13,481,000 |
| Noninterest income | 769,000 | 1,574,000 | 2,450,000 | 3,406,000 |
| Noninterest expense | 2,397,000 | 4,803,000 | 7,172,000 | 9,429,000 |
| Provision for loan losses | 100,000 | 300,000 | 400,000 | 500,000 |
| Pretax income | 1,783,000 | 3,377,000 | 5,072,000 | 6,977,000 |
| Income tax | 262,000 | 467,000 | 726,000 | 1,050,000 |
| Net income | 1,521,000 | 2,910,000 | 4,346,000 | 5,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,448,000 | 46,875,000 | 46,926,000 | 47,649,000 |
| Total capital | 50,099,000 | 50,541,000 | 50,548,000 | 51,320,000 |
| Risk-weighted assets | 292,050,000 | 294,922,000 | 293,662,000 | 294,724,000 |