Call reports 2013
SECURITY TRUST & SAVINGS BANK — 2013
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 181,824,000 | 170,562,000 | 174,763,000 | 178,902,000 |
| Total loans | 54,126,000 | 52,631,000 | 53,454,000 | 59,784,000 |
| Allowance for loan losses | 606,000 | 521,000 | 509,000 | 547,000 |
| Securities available for sale | 109,594,000 | 108,768,000 | 107,576,000 | 109,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,875,000 | 152,528,000 | 156,977,000 | 155,848,000 |
| Interest-bearing deposits | 152,594,000 | 145,955,000 | 150,100,000 | 148,670,000 |
| Noninterest-bearing deposits | 7,281,000 | 6,573,000 | 6,877,000 | 7,178,000 |
| Equity capital | 20,221,000 | 17,832,000 | 17,370,000 | 17,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,415,000 | 2,832,000 | 4,226,000 | 5,676,000 |
| Interest expense | 339,000 | 690,000 | 1,036,000 | 1,390,000 |
| Net interest income | 1,076,000 | 2,142,000 | 3,190,000 | 4,286,000 |
| Noninterest income | 54,000 | 98,000 | 144,000 | 205,000 |
| Noninterest expense | 660,000 | 1,361,000 | 2,108,000 | 2,832,000 |
| Provision for loan losses | 0 | 125,000 | 325,000 | 375,000 |
| Pretax income | 489,000 | 870,000 | 1,071,000 | 1,473,000 |
| Income tax | 99,000 | 70,000 | 77,000 | 22,000 |
| Net income | 390,000 | 800,000 | 994,000 | 1,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,980,000 | 18,203,000 | 17,850,000 | 18,055,000 |
| Total capital | 18,586,000 | 18,724,000 | 18,359,000 | 18,602,000 |
| Risk-weighted assets | 68,843,000 | 67,471,000 | 68,247,000 | 75,376,000 |