Call reports 2014
SAVINGS INSTITUTE BANK AND TRUST COMPANY — 2014
What SAVINGS INSTITUTE BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,353,520,000 | 1,344,691,000 | 1,332,390,000 | 1,342,054,000 |
| Total loans | 1,050,319,000 | 1,046,425,000 | 1,050,043,000 | 1,053,647,000 |
| Allowance for loan losses | 7,252,000 | 7,445,000 | 7,619,000 | 7,797,000 |
| Securities available for sale | 167,451,000 | 169,504,000 | 167,805,000 | 170,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,011,819,000 | 1,019,405,000 | 1,009,700,000 | 1,024,583,000 |
| Interest-bearing deposits | 875,619,000 | 879,256,000 | 870,468,000 | 881,695,000 |
| Noninterest-bearing deposits | 136,200,000 | 140,149,000 | 139,232,000 | 142,888,000 |
| Equity capital | 139,960,000 | 141,666,000 | 142,694,000 | 144,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 12,041,000 | 23,705,000 | 35,413,000 | 47,431,000 |
| Interest expense | 2,054,000 | 4,105,000 | 6,119,000 | 8,127,000 |
| Net interest income | 9,987,000 | 19,600,000 | 29,294,000 | 39,304,000 |
| Noninterest income | 2,735,000 | 5,328,000 | 7,749,000 | 10,180,000 |
| Noninterest expense | 10,863,000 | 21,217,000 | 31,103,000 | 41,159,000 |
| Provision for loan losses | 430,000 | 845,000 | 1,195,000 | 1,539,000 |
| Pretax income | 1,452,000 | 2,889,000 | 4,768,000 | 6,809,000 |
| Income tax | 479,000 | 933,000 | 1,547,000 | 2,162,000 |
| Net income | 973,000 | 1,956,000 | 3,221,000 | 4,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,743,000 | 121,355,000 | 122,307,000 | 123,862,000 |
| Total capital | 127,516,000 | 129,386,000 | 130,514,000 | 132,306,000 |
| Risk-weighted assets | 809,254,000 | 816,065,000 | 820,920,000 | 833,565,000 |
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