Call reports 2004
SECURITY TRUST & SAVINGS BANK — 2004
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 99,144,000 | 95,861,000 | 96,224,000 | 95,961,000 |
| Total loans | 36,486,000 | 35,890,000 | 36,454,000 | 37,610,000 |
| Allowance for loan losses | 611,000 | 611,000 | 606,000 | 651,000 |
| Securities available for sale | 38,086,000 | 37,416,000 | 34,892,000 | 35,183,000 |
| Securities held to maturity | 17,181,000 | 18,248,000 | 19,036,000 | 19,915,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,753,000 | 84,395,000 | 83,758,000 | 83,655,000 |
| Interest-bearing deposits | 83,493,000 | 80,149,000 | 79,743,000 | 79,051,000 |
| Noninterest-bearing deposits | 4,260,000 | 4,246,000 | 4,015,000 | 4,604,000 |
| Equity capital | 10,741,000 | 10,315,000 | 10,841,000 | 10,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,109,000 | 2,210,000 | 3,310,000 | 4,427,000 |
| Interest expense | 415,000 | 838,000 | 1,247,000 | 1,684,000 |
| Net interest income | 694,000 | 1,372,000 | 2,063,000 | 2,743,000 |
| Noninterest income | 54,000 | 114,000 | 186,000 | 236,000 |
| Noninterest expense | 477,000 | 958,000 | 1,470,000 | 2,004,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 271,000 | 524,000 | 769,000 | 866,000 |
| Income tax | 50,000 | 87,000 | 121,000 | 133,000 |
| Net income | 221,000 | 437,000 | 648,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,481,000 | 10,584,000 | 10,795,000 | 10,768,000 |
| Total capital | 11,022,000 | 11,125,000 | 11,334,000 | 11,323,000 |
| Risk-weighted assets | 43,233,000 | 43,196,000 | 43,015,000 | 44,334,000 |