Call reports 2013
SAVINGS INSTITUTE BANK AND TRUST COMPANY — 2013
What SAVINGS INSTITUTE BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 946,234,000 | 936,008,000 | 1,353,442,000 | 1,334,783,000 |
| Total loans | 683,172,000 | 677,165,000 | 1,039,706,000 | 1,056,420,000 |
| Allowance for loan losses | 6,328,000 | 6,007,000 | 6,322,000 | 6,916,000 |
| Securities available for sale | 187,773,000 | 183,119,000 | 181,576,000 | 165,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 722,121,000 | 717,403,000 | 1,005,068,000 | 993,324,000 |
| Interest-bearing deposits | 640,132,000 | 629,637,000 | 865,156,000 | 856,963,000 |
| Noninterest-bearing deposits | 81,989,000 | 87,766,000 | 139,912,000 | 136,361,000 |
| Equity capital | 110,617,000 | 109,442,000 | 138,237,000 | 138,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,511,000 | 16,772,000 | 25,885,000 | 38,035,000 |
| Interest expense | 2,186,000 | 4,246,000 | 6,285,000 | 8,356,000 |
| Net interest income | 6,325,000 | 12,526,000 | 19,600,000 | 29,679,000 |
| Noninterest income | 2,487,000 | 4,553,000 | 6,668,000 | 9,463,000 |
| Noninterest expense | 7,856,000 | 15,685,000 | 25,497,000 | 35,860,000 |
| Provision for loan losses | 135,000 | 190,000 | 633,000 | 1,319,000 |
| Pretax income | 824,000 | 1,199,000 | -789,000 | 800,000 |
| Income tax | 274,000 | 408,000 | -268,000 | 320,000 |
| Net income | 550,000 | 791,000 | -521,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,374,000 | 104,771,000 | 116,164,000 | 117,477,000 |
| Total capital | 110,933,000 | 111,218,000 | 123,045,000 | 124,964,000 |
| Risk-weighted assets | 524,620,000 | 534,076,000 | 809,818,000 | 798,412,000 |