Call reports 2015
SAVINGS INSTITUTE BANK AND TRUST COMPANY — 2015
What SAVINGS INSTITUTE BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,357,185,000 | 1,401,215,000 | 1,446,500,000 | 1,473,999,000 |
| Total loans | 1,051,985,000 | 1,110,667,000 | 1,152,566,000 | 1,177,105,000 |
| Allowance for loan losses | 8,083,000 | 8,437,000 | 9,246,000 | 9,863,000 |
| Securities available for sale | 172,473,000 | 166,983,000 | 171,324,000 | 170,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,042,259,000 | 1,037,010,000 | 1,047,122,000 | 1,065,070,000 |
| Interest-bearing deposits | 904,578,000 | 889,321,000 | 897,067,000 | 904,309,000 |
| Noninterest-bearing deposits | 137,681,000 | 147,689,000 | 150,055,000 | 160,761,000 |
| Equity capital | 146,445,000 | 147,125,000 | 148,699,000 | 149,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 11,450,000 | 23,219,000 | 35,411,000 | 48,035,000 |
| Interest expense | 2,015,000 | 4,124,000 | 6,420,000 | 8,765,000 |
| Net interest income | 9,435,000 | 19,095,000 | 28,991,000 | 39,270,000 |
| Noninterest income | 2,295,000 | 4,729,000 | 7,414,000 | 10,011,000 |
| Noninterest expense | 9,865,000 | 20,107,000 | 30,118,000 | 39,961,000 |
| Provision for loan losses | 335,000 | 695,000 | 1,712,000 | 2,509,000 |
| Pretax income | 1,530,000 | 3,154,000 | 4,721,000 | 6,957,000 |
| Income tax | 497,000 | 1,025,000 | 1,544,000 | 2,221,000 |
| Net income | 1,033,000 | 2,129,000 | 3,177,000 | 4,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 131,130,000 | 132,998,000 | 133,681,000 | 134,992,000 |
| Total capital | 139,809,000 | 142,049,000 | 143,543,000 | 145,457,000 |
| Risk-weighted assets | 837,326,000 | 850,284,000 | 904,761,000 | 946,222,000 |