Call reports 2007
FIRST KEYSTONE COMMUNITY BANK — 2007
What FIRST KEYSTONE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 520,587,000 | 531,635,000 | 548,456,000 | 687,460,000 |
| Total loans | 252,487,000 | 254,978,000 | 267,883,000 | 376,602,000 |
| Allowance for loan losses | 3,715,000 | 3,754,000 | 3,796,000 | 5,046,000 |
| Securities available for sale | 229,699,000 | 235,283,000 | 240,203,000 | 232,496,000 |
| Securities held to maturity | 4,926,000 | 4,545,000 | 4,542,000 | 4,539,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,362,000 | 399,173,000 | 394,403,000 | 493,364,000 |
| Interest-bearing deposits | 349,847,000 | 356,569,000 | 352,173,000 | 434,510,000 |
| Noninterest-bearing deposits | 44,515,000 | 42,604,000 | 42,230,000 | 58,854,000 |
| Equity capital | 49,794,000 | 45,673,000 | 48,406,000 | 76,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,382,000 | 14,904,000 | 22,708,000 | 31,789,000 |
| Interest expense | 4,092,000 | 8,273,000 | 12,749,000 | 17,805,000 |
| Net interest income | 3,290,000 | 6,631,000 | 9,959,000 | 13,984,000 |
| Noninterest income | 828,000 | 1,732,000 | 2,642,000 | 3,706,000 |
| Noninterest expense | 2,474,000 | 5,137,000 | 7,558,000 | 10,556,000 |
| Provision for loan losses | 50,000 | 125,000 | 150,000 | 150,000 |
| Pretax income | 1,596,000 | 3,111,000 | 4,903,000 | 7,048,000 |
| Income tax | 251,000 | 484,000 | 793,000 | 1,231,000 |
| Net income | 1,345,000 | 2,627,000 | 4,110,000 | 5,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,285,000 | 48,574,000 | 49,064,000 | 56,010,000 |
| Total capital | 52,000,000 | 52,328,000 | 52,860,000 | 61,056,000 |
| Risk-weighted assets | 297,354,000 | 308,157,000 | 327,653,000 | 427,540,000 |