Call reports 2007
SECURITY TRUST & SAVINGS BANK — 2007
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,952,000 | 98,866,000 | 100,500,000 | 103,845,000 |
| Total loans | 42,129,000 | 41,737,000 | 43,258,000 | 42,233,000 |
| Allowance for loan losses | 404,000 | 405,000 | 387,000 | 385,000 |
| Securities available for sale | 52,591,000 | 52,798,000 | 52,910,000 | 54,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,458,000 | 86,562,000 | 87,624,000 | 90,756,000 |
| Interest-bearing deposits | 87,437,000 | 82,648,000 | 83,087,000 | 85,760,000 |
| Noninterest-bearing deposits | 4,021,000 | 3,914,000 | 4,537,000 | 4,996,000 |
| Equity capital | 11,541,000 | 11,290,000 | 11,885,000 | 12,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,359,000 | 2,747,000 | 4,144,000 | 5,586,000 |
| Interest expense | 758,000 | 1,510,000 | 2,259,000 | 3,002,000 |
| Net interest income | 601,000 | 1,237,000 | 1,885,000 | 2,584,000 |
| Noninterest income | 59,000 | 116,000 | 178,000 | 267,000 |
| Noninterest expense | 523,000 | 1,061,000 | 1,567,000 | 2,140,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 147,000 | 305,000 | 509,000 | 724,000 |
| Income tax | 20,000 | 45,000 | 84,000 | 129,000 |
| Net income | 127,000 | 260,000 | 425,000 | 595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,796,000 | 11,877,000 | 12,041,000 | 12,099,000 |
| Total capital | 12,199,000 | 12,282,000 | 12,428,000 | 12,484,000 |
| Risk-weighted assets | 49,205,000 | 48,418,000 | 49,204,000 | 49,159,000 |