Call reports 2012
SECURITY TRUST & SAVINGS BANK — 2012
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 166,636,000 | 163,999,000 | 176,041,000 | 173,759,000 |
| Total loans | 51,345,000 | 52,416,000 | 56,276,000 | 58,890,000 |
| Allowance for loan losses | 461,000 | 471,000 | 512,000 | 590,000 |
| Securities available for sale | 97,458,000 | 103,363,000 | 104,425,000 | 105,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,464,000 | 142,229,000 | 153,164,000 | 150,167,000 |
| Interest-bearing deposits | 139,341,000 | 135,274,000 | 145,262,000 | 140,946,000 |
| Noninterest-bearing deposits | 6,123,000 | 6,955,000 | 7,902,000 | 9,221,000 |
| Equity capital | 19,372,000 | 19,805,000 | 20,631,000 | 20,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,458,000 | 2,908,000 | 4,343,000 | 5,779,000 |
| Interest expense | 343,000 | 690,000 | 1,040,000 | 1,395,000 |
| Net interest income | 1,115,000 | 2,218,000 | 3,303,000 | 4,384,000 |
| Noninterest income | 52,000 | 100,000 | 179,000 | 239,000 |
| Noninterest expense | 616,000 | 1,263,000 | 1,873,000 | 2,593,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 684,000 | 1,189,000 | 1,796,000 | 2,121,000 |
| Income tax | 118,000 | 196,000 | 297,000 | 357,000 |
| Net income | 566,000 | 993,000 | 1,499,000 | 1,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,052,000 | 17,217,000 | 17,721,000 | 17,590,000 |
| Total capital | 17,513,000 | 17,688,000 | 18,233,000 | 18,180,000 |
| Risk-weighted assets | 65,218,000 | 66,748,000 | 69,082,000 | 72,032,000 |