Call reports 2002
SECURITY TRUST & SAVINGS BANK — 2002
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 87,459,000 | 88,234,000 | 93,187,000 | 96,012,000 |
| Total loans | 40,212,000 | 41,074,000 | 40,488,000 | 38,767,000 |
| Allowance for loan losses | 478,000 | 501,000 | 550,000 | 633,000 |
| Securities available for sale | 30,547,000 | 31,363,000 | 33,945,000 | 35,031,000 |
| Securities held to maturity | 12,216,000 | 12,330,000 | 12,840,000 | 14,142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,568,000 | 77,581,000 | 82,048,000 | 84,815,000 |
| Interest-bearing deposits | 73,749,000 | 73,176,000 | 78,093,000 | 79,738,000 |
| Noninterest-bearing deposits | 3,819,000 | 4,405,000 | 3,955,000 | 5,077,000 |
| Equity capital | 9,301,000 | 9,817,000 | 10,164,000 | 10,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,274,000 | 2,576,000 | 3,879,000 | 5,148,000 |
| Interest expense | 625,000 | 1,191,000 | 1,755,000 | 2,308,000 |
| Net interest income | 649,000 | 1,385,000 | 2,124,000 | 2,840,000 |
| Noninterest income | 63,000 | 140,000 | 193,000 | 255,000 |
| Noninterest expense | 449,000 | 923,000 | 1,354,000 | 1,858,000 |
| Provision for loan losses | 0 | 50,000 | 150,000 | 239,000 |
| Pretax income | 262,000 | 559,000 | 823,000 | 1,019,000 |
| Income tax | 67,000 | 154,000 | 251,000 | 314,000 |
| Net income | 195,000 | 405,000 | 572,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,355,000 | 9,476,000 | 9,642,000 | 9,685,000 |
| Total capital | 9,612,000 | 9,736,000 | 10,192,000 | 10,242,000 |
| Risk-weighted assets | 44,149,000 | 44,653,000 | 45,153,000 | 44,498,000 |