Call reports 2003
SECURITY TRUST & SAVINGS BANK — 2003
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 96,878,000 | 92,151,000 | 93,963,000 | 95,611,000 |
| Total loans | 38,043,000 | 36,576,000 | 37,329,000 | 38,218,000 |
| Allowance for loan losses | 631,000 | 625,000 | 601,000 | 689,000 |
| Securities available for sale | 38,084,000 | 37,297,000 | 33,883,000 | 37,819,000 |
| Securities held to maturity | 14,906,000 | 14,530,000 | 14,971,000 | 15,762,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,899,000 | 80,767,000 | 83,178,000 | 83,760,000 |
| Interest-bearing deposits | 81,363,000 | 76,673,000 | 78,893,000 | 78,101,000 |
| Noninterest-bearing deposits | 4,536,000 | 4,094,000 | 4,285,000 | 5,659,000 |
| Equity capital | 10,311,000 | 10,569,000 | 10,328,000 | 10,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,216,000 | 2,402,000 | 3,503,000 | 4,609,000 |
| Interest expense | 517,000 | 1,003,000 | 1,437,000 | 1,863,000 |
| Net interest income | 699,000 | 1,399,000 | 2,066,000 | 2,746,000 |
| Noninterest income | 59,000 | 118,000 | 181,000 | 240,000 |
| Noninterest expense | 459,000 | 927,000 | 1,408,000 | 1,929,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 303,000 | 594,000 | 886,000 | 985,000 |
| Income tax | 68,000 | 124,000 | 236,000 | 201,000 |
| Net income | 235,000 | 470,000 | 650,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,921,000 | 10,059,000 | 10,238,000 | 10,260,000 |
| Total capital | 10,478,000 | 10,595,000 | 10,783,000 | 10,826,000 |
| Risk-weighted assets | 44,470,000 | 42,753,000 | 43,531,000 | 45,009,000 |