Call reports 2015
SECURITY TRUST & SAVINGS BANK — 2015
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 204,291,000 | 191,985,000 | 202,743,000 | 196,075,000 |
| Total loans | 64,163,000 | 64,479,000 | 62,670,000 | 64,058,000 |
| Allowance for loan losses | 427,000 | 391,000 | 422,000 | 414,000 |
| Securities available for sale | 115,276,000 | 112,054,000 | 117,973,000 | 116,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,210,000 | 170,105,000 | 179,669,000 | 170,737,000 |
| Interest-bearing deposits | 172,965,000 | 163,642,000 | 172,565,000 | 162,594,000 |
| Noninterest-bearing deposits | 8,245,000 | 6,463,000 | 7,104,000 | 8,143,000 |
| Equity capital | 22,765,000 | 21,613,000 | 22,733,000 | 22,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,548,000 | 3,084,000 | 4,619,000 | 6,150,000 |
| Interest expense | 346,000 | 697,000 | 1,054,000 | 1,413,000 |
| Net interest income | 1,202,000 | 2,387,000 | 3,565,000 | 4,737,000 |
| Noninterest income | 42,000 | 84,000 | 132,000 | 187,000 |
| Noninterest expense | 716,000 | 1,374,000 | 2,088,000 | 2,841,000 |
| Provision for loan losses | 0 | 100,000 | 150,000 | 250,000 |
| Pretax income | 594,000 | 1,134,000 | 1,622,000 | 2,044,000 |
| Income tax | 44,000 | 66,000 | 94,000 | 116,000 |
| Net income | 550,000 | 1,068,000 | 1,528,000 | 1,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,814,000 | 20,107,000 | 20,566,000 | 20,736,000 |
| Total capital | 20,241,000 | 20,498,000 | 20,988,000 | 21,151,000 |
| Risk-weighted assets | 92,723,000 | 91,112,000 | 93,488,000 | 93,368,000 |