Call reports 2005
SECURITY TRUST & SAVINGS BANK — 2005
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 100,393,000 | 98,652,000 | 104,170,000 | 101,528,000 |
| Total loans | 37,517,000 | 37,135,000 | 37,437,000 | 39,325,000 |
| Allowance for loan losses | 695,000 | 608,000 | 425,000 | 398,000 |
| Securities available for sale | 33,216,000 | 36,844,000 | 34,270,000 | 33,939,000 |
| Securities held to maturity | 20,531,000 | 21,659,000 | 22,584,000 | 24,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,522,000 | 87,089,000 | 91,646,000 | 88,320,000 |
| Interest-bearing deposits | 84,470,000 | 83,544,000 | 88,018,000 | 83,612,000 |
| Noninterest-bearing deposits | 4,052,000 | 3,545,000 | 3,628,000 | 4,708,000 |
| Equity capital | 10,545,000 | 10,768,000 | 10,689,000 | 10,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,115,000 | 2,263,000 | 3,426,000 | 4,655,000 |
| Interest expense | 443,000 | 941,000 | 1,506,000 | 2,120,000 |
| Net interest income | 672,000 | 1,322,000 | 1,920,000 | 2,535,000 |
| Noninterest income | 56,000 | 112,000 | 168,000 | 226,000 |
| Noninterest expense | 507,000 | 1,034,000 | 1,552,000 | 2,048,000 |
| Provision for loan losses | 50,000 | 185,000 | 235,000 | 335,000 |
| Pretax income | 171,000 | 226,000 | 315,000 | 393,000 |
| Income tax | 29,000 | 24,000 | 9,000 | -176,000 |
| Net income | 142,000 | 202,000 | 306,000 | 569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,910,000 | 10,919,000 | 11,023,000 | 11,235,000 |
| Total capital | 11,466,000 | 11,480,000 | 11,448,000 | 11,633,000 |
| Risk-weighted assets | 44,348,000 | 44,826,000 | 44,301,000 | 46,790,000 |