Call reports 2010
SECURITY TRUST & SAVINGS BANK — 2010
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 144,938,000 | 136,802,000 | 146,757,000 | 140,731,000 |
| Total loans | 51,715,000 | 52,655,000 | 52,724,000 | 54,713,000 |
| Allowance for loan losses | 433,000 | 459,000 | 455,000 | 537,000 |
| Securities available for sale | 78,978,000 | 78,356,000 | 78,104,000 | 80,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,309,000 | 119,486,000 | 127,872,000 | 122,468,000 |
| Interest-bearing deposits | 122,638,000 | 114,771,000 | 122,998,000 | 116,845,000 |
| Noninterest-bearing deposits | 5,671,000 | 4,715,000 | 4,874,000 | 5,623,000 |
| Equity capital | 15,342,000 | 15,896,000 | 17,008,000 | 15,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,578,000 | 3,163,000 | 4,755,000 | 6,342,000 |
| Interest expense | 447,000 | 910,000 | 1,363,000 | 1,804,000 |
| Net interest income | 1,131,000 | 2,253,000 | 3,392,000 | 4,538,000 |
| Noninterest income | 54,000 | 161,000 | 218,000 | 276,000 |
| Noninterest expense | 615,000 | 1,257,000 | 1,880,000 | 2,560,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 150,000 |
| Pretax income | 620,000 | 1,183,000 | 1,758,000 | 2,182,000 |
| Income tax | 111,000 | 221,000 | 335,000 | 391,000 |
| Net income | 509,000 | 962,000 | 1,423,000 | 1,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,494,000 | 14,683,000 | 15,144,000 | 15,250,000 |
| Total capital | 14,927,000 | 15,142,000 | 15,599,000 | 15,788,000 |
| Risk-weighted assets | 63,856,000 | 62,771,000 | 64,067,000 | 64,357,000 |