Call reports 2016
FIRST SECURITY TRUST AND SAVINGS BANK — 2016
What FIRST SECURITY TRUST AND SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 239,551,000 | 236,954,000 | 217,880,000 | 236,891,000 |
| Total loans | 112,695,000 | 119,814,000 | 124,143,000 | 129,635,000 |
| Allowance for loan losses | 239,000 | 282,000 | 368,000 | 471,000 |
| Securities available for sale | 61,776,000 | 44,461,000 | 47,556,000 | 46,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,609,000 | 214,227,000 | 194,749,000 | 213,289,000 |
| Interest-bearing deposits | 88,147,000 | 90,364,000 | 83,499,000 | 86,975,000 |
| Noninterest-bearing deposits | 129,462,000 | 123,863,000 | 111,250,000 | 126,314,000 |
| Equity capital | 20,602,000 | 21,091,000 | 21,428,000 | 21,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,962,000 | 4,077,000 | 5,834,000 | 7,622,000 |
| Interest expense | 74,000 | 147,000 | 218,000 | 286,000 |
| Net interest income | 1,888,000 | 3,930,000 | 5,616,000 | 7,336,000 |
| Noninterest income | 270,000 | 489,000 | 921,000 | 1,302,000 |
| Noninterest expense | 1,595,000 | 3,218,000 | 4,871,000 | 6,560,000 |
| Provision for loan losses | 232,000 | 259,000 | 332,000 | 413,000 |
| Pretax income | 328,000 | 938,000 | 1,326,000 | 1,656,000 |
| Income tax | 15,000 | 20,000 | 20,000 | 25,000 |
| Net income | 313,000 | 918,000 | 1,306,000 | 1,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,091,000 | 20,696,000 | 21,084,000 | 21,409,000 |
| Total capital | 20,377,000 | 21,146,000 | 21,647,000 | 22,114,000 |
| Risk-weighted assets | 127,522,000 | 132,916,000 | 137,020,000 | 142,751,000 |