Call reports 2006
SECURITY TRUST & SAVINGS BANK — 2006
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 104,707,000 | 101,234,000 | 101,948,000 | 102,539,000 |
| Total loans | 39,473,000 | 39,853,000 | 40,709,000 | 42,198,000 |
| Allowance for loan losses | 407,000 | 384,000 | 395,000 | 409,000 |
| Securities available for sale | 57,931,000 | 57,287,000 | 55,821,000 | 55,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,089,000 | 87,734,000 | 89,556,000 | 90,084,000 |
| Interest-bearing deposits | 89,351,000 | 84,115,000 | 86,176,000 | 84,965,000 |
| Noninterest-bearing deposits | 3,738,000 | 3,619,000 | 3,380,000 | 5,119,000 |
| Equity capital | 10,710,000 | 10,349,000 | 11,237,000 | 11,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,545,000 | 3,854,000 | 5,212,000 |
| Interest expense | 641,000 | 1,336,000 | 2,084,000 | 2,875,000 |
| Net interest income | 599,000 | 1,209,000 | 1,770,000 | 2,337,000 |
| Noninterest income | 84,000 | 152,000 | 272,000 | 333,000 |
| Noninterest expense | 536,000 | 1,051,000 | 1,560,000 | 2,075,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 122,000 | 289,000 | 458,000 | 545,000 |
| Income tax | -12,000 | -4,000 | 7,000 | -17,000 |
| Net income | 134,000 | 293,000 | 451,000 | 562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,369,000 | 11,476,000 | 11,634,000 | 11,669,000 |
| Total capital | 11,776,000 | 11,860,000 | 12,029,000 | 12,078,000 |
| Risk-weighted assets | 47,960,000 | 47,529,000 | 48,055,000 | 48,927,000 |