Call reports 2001
SECURITY TRUST & SAVINGS BANK — 2001
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 78,004,000 | 77,841,000 | 82,589,000 | 83,678,000 |
| Total loans | 39,758,000 | 40,689,000 | 40,054,000 | 40,238,000 |
| Allowance for loan losses | 477,000 | 498,000 | 502,000 | 487,000 |
| Securities available for sale | 22,714,000 | 22,833,000 | 25,261,000 | 28,415,000 |
| Securities held to maturity | 10,073,000 | 11,395,000 | 11,710,000 | 11,752,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,010,000 | 67,146,000 | 72,237,000 | 73,809,000 |
| Interest-bearing deposits | 63,838,000 | 63,358,000 | 68,741,000 | 69,309,000 |
| Noninterest-bearing deposits | 4,172,000 | 3,788,000 | 3,496,000 | 4,500,000 |
| Equity capital | 9,158,000 | 9,063,000 | 9,456,000 | 9,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,299,000 | 2,638,000 | 4,028,000 | 5,381,000 |
| Interest expense | 748,000 | 1,524,000 | 2,269,000 | 2,948,000 |
| Net interest income | 551,000 | 1,114,000 | 1,759,000 | 2,433,000 |
| Noninterest income | 60,000 | 128,000 | 191,000 | 251,000 |
| Noninterest expense | 426,000 | 861,000 | 1,294,000 | 1,773,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 185,000 | 381,000 | 652,000 | 857,000 |
| Income tax | 46,000 | 85,000 | 140,000 | 204,000 |
| Net income | 139,000 | 296,000 | 512,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,909,000 | 8,893,000 | 9,109,000 | 9,160,000 |
| Total capital | 9,137,000 | 9,129,000 | 9,347,000 | 9,410,000 |
| Risk-weighted assets | 41,576,000 | 43,182,000 | 43,323,000 | 43,748,000 |