Call reports 2009
SECURITY TRUST & SAVINGS BANK — 2009
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 120,691,000 | 125,883,000 | 132,855,000 | 133,248,000 |
| Total loans | 46,850,000 | 48,421,000 | 50,332,000 | 52,535,000 |
| Allowance for loan losses | 391,000 | 429,000 | 429,000 | 444,000 |
| Securities available for sale | 67,159,000 | 72,371,000 | 77,674,000 | 75,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,442,000 | 109,437,000 | 114,052,000 | 114,171,000 |
| Interest-bearing deposits | 101,045,000 | 104,284,000 | 108,587,000 | 108,025,000 |
| Noninterest-bearing deposits | 4,397,000 | 5,153,000 | 5,465,000 | 6,146,000 |
| Equity capital | 14,184,000 | 13,864,000 | 14,993,000 | 14,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,505,000 | 3,037,000 | 4,616,000 | 6,236,000 |
| Interest expense | 468,000 | 950,000 | 1,427,000 | 1,893,000 |
| Net interest income | 1,037,000 | 2,087,000 | 3,189,000 | 4,343,000 |
| Noninterest income | 46,000 | 107,000 | 166,000 | 236,000 |
| Noninterest expense | 562,000 | 1,187,000 | 1,798,000 | 2,461,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 100,000 |
| Pretax income | 522,000 | 958,000 | 1,520,000 | 2,045,000 |
| Income tax | 81,000 | 180,000 | 349,000 | 405,000 |
| Net income | 441,000 | 778,000 | 1,171,000 | 1,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,310,000 | 13,385,000 | 13,778,000 | 13,985,000 |
| Total capital | 13,701,000 | 13,814,000 | 14,207,000 | 14,429,000 |
| Risk-weighted assets | 55,352,000 | 57,564,000 | 59,922,000 | 61,982,000 |