Call reports 2008
FIRST KEYSTONE COMMUNITY BANK — 2008
What FIRST KEYSTONE COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 687,503,000 | 700,970,000 | 712,216,000 | 721,879,000 |
| Total loans | 384,473,000 | 394,497,000 | 398,377,000 | 408,367,000 |
| Allowance for loan losses | 5,142,000 | 5,175,000 | 5,233,000 | 5,195,000 |
| Securities available for sale | 215,013,000 | 225,859,000 | 236,739,000 | 231,586,000 |
| Securities held to maturity | 4,535,000 | 2,531,000 | 2,994,000 | 2,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 517,088,000 | 523,681,000 | 515,188,000 | 505,959,000 |
| Interest-bearing deposits | 458,960,000 | 458,026,000 | 455,755,000 | 453,683,000 |
| Noninterest-bearing deposits | 58,128,000 | 65,655,000 | 59,433,000 | 52,276,000 |
| Equity capital | 77,969,000 | 74,231,000 | 72,639,000 | 74,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,323,000 | 18,566,000 | 28,031,000 | 37,538,000 |
| Interest expense | 4,854,000 | 9,404,000 | 13,805,000 | 18,128,000 |
| Net interest income | 4,469,000 | 9,162,000 | 14,226,000 | 19,410,000 |
| Noninterest income | 1,001,000 | 1,980,000 | 3,099,000 | 4,194,000 |
| Noninterest expense | 3,427,000 | 6,746,000 | 10,168,000 | 13,836,000 |
| Provision for loan losses | 50,000 | 125,000 | 200,000 | 700,000 |
| Pretax income | 2,065,000 | 4,344,000 | 7,040,000 | 9,461,000 |
| Income tax | 374,000 | 784,000 | 1,263,000 | 1,607,000 |
| Net income | 1,691,000 | 3,560,000 | 5,777,000 | 7,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,155,000 | 56,633,000 | 57,454,000 | 58,343,000 |
| Total capital | 61,297,000 | 61,808,000 | 62,687,000 | 63,538,000 |
| Risk-weighted assets | 434,376,000 | 445,969,000 | 456,948,000 | 514,036,000 |