Call reports 2011
SECURITY TRUST & SAVINGS BANK — 2011
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 150,079,000 | 147,491,000 | 158,397,000 | 154,795,000 |
| Total loans | 52,185,000 | 52,406,000 | 53,343,000 | 53,405,000 |
| Allowance for loan losses | 493,000 | 508,000 | 494,000 | 480,000 |
| Securities available for sale | 87,303,000 | 88,721,000 | 94,325,000 | 94,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,696,000 | 128,594,000 | 137,862,000 | 133,546,000 |
| Interest-bearing deposits | 127,472,000 | 122,704,000 | 132,867,000 | 126,132,000 |
| Noninterest-bearing deposits | 5,224,000 | 5,890,000 | 4,995,000 | 7,414,000 |
| Equity capital | 16,486,000 | 17,500,000 | 18,665,000 | 18,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,553,000 | 3,149,000 | 4,703,000 | 6,216,000 |
| Interest expense | 409,000 | 817,000 | 1,200,000 | 1,557,000 |
| Net interest income | 1,144,000 | 2,332,000 | 3,503,000 | 4,659,000 |
| Noninterest income | 48,000 | 94,000 | 143,000 | 205,000 |
| Noninterest expense | 655,000 | 1,301,000 | 1,948,000 | 2,660,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 350,000 |
| Pretax income | 567,000 | 1,168,000 | 1,742,000 | 1,962,000 |
| Income tax | 93,000 | 211,000 | 298,000 | 276,000 |
| Net income | 474,000 | 957,000 | 1,444,000 | 1,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,724,000 | 15,945,000 | 16,432,000 | 16,486,000 |
| Total capital | 16,217,000 | 16,453,000 | 16,927,000 | 16,966,000 |
| Risk-weighted assets | 63,268,000 | 62,996,000 | 65,043,000 | 64,568,000 |