Call reports 2014
SECURITY TRUST & SAVINGS BANK — 2014
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 193,293,000 | 185,952,000 | 194,363,000 | 196,155,000 |
| Total loans | 57,158,000 | 58,521,000 | 60,732,000 | 65,158,000 |
| Allowance for loan losses | 512,000 | 477,000 | 492,000 | 424,000 |
| Securities available for sale | 111,866,000 | 117,009,000 | 120,399,000 | 118,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,492,000 | 165,206,000 | 172,924,000 | 170,311,000 |
| Interest-bearing deposits | 166,832,000 | 157,930,000 | 165,513,000 | 162,404,000 |
| Noninterest-bearing deposits | 7,660,000 | 7,276,000 | 7,411,000 | 7,907,000 |
| Equity capital | 18,551,000 | 19,829,000 | 20,397,000 | 20,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,462,000 | 2,950,000 | 4,464,000 | 6,017,000 |
| Interest expense | 351,000 | 697,000 | 1,042,000 | 1,395,000 |
| Net interest income | 1,111,000 | 2,253,000 | 3,422,000 | 4,622,000 |
| Noninterest income | 51,000 | 93,000 | 153,000 | 209,000 |
| Noninterest expense | 775,000 | 1,420,000 | 2,126,000 | 2,891,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 150,000 |
| Pretax income | 429,000 | 968,000 | 1,546,000 | 1,938,000 |
| Income tax | 23,000 | 91,000 | 188,000 | 205,000 |
| Net income | 406,000 | 877,000 | 1,358,000 | 1,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,461,000 | 18,707,000 | 19,189,000 | 19,263,000 |
| Total capital | 18,973,000 | 19,184,000 | 19,681,000 | 19,687,000 |
| Risk-weighted assets | 73,340,000 | 74,617,000 | 77,519,000 | 82,035,000 |