Call reports 2016
SECURITY TRUST & SAVINGS BANK — 2016
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 211,293,000 | 203,390,000 | 204,995,000 | 198,284,000 |
| Total loans | 63,831,000 | 60,840,000 | 61,172,000 | 63,287,000 |
| Allowance for loan losses | 446,000 | 443,000 | 595,000 | 648,000 |
| Securities available for sale | 110,999,000 | 109,271,000 | 110,577,000 | 113,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,476,000 | 177,837,000 | 179,607,000 | 175,991,000 |
| Interest-bearing deposits | 179,941,000 | 171,324,000 | 173,131,000 | 168,342,000 |
| Noninterest-bearing deposits | 6,535,000 | 6,513,000 | 6,476,000 | 7,649,000 |
| Equity capital | 23,520,000 | 24,195,000 | 24,037,000 | 21,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,518,000 | 2,992,000 | 4,411,000 | 5,845,000 |
| Interest expense | 370,000 | 746,000 | 1,118,000 | 1,492,000 |
| Net interest income | 1,148,000 | 2,246,000 | 3,293,000 | 4,353,000 |
| Noninterest income | 58,000 | 24,000 | 63,000 | 115,000 |
| Noninterest expense | 744,000 | 1,457,000 | 2,153,000 | 2,915,000 |
| Provision for loan losses | 50,000 | 300,000 | 450,000 | 500,000 |
| Pretax income | 481,000 | 752,000 | 1,212,000 | 1,519,000 |
| Income tax | 23,000 | 37,000 | 60,000 | 168,000 |
| Net income | 458,000 | 715,000 | 1,152,000 | 1,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,194,000 | 21,151,000 | 21,588,000 | 21,511,000 |
| Total capital | 21,640,000 | 21,594,000 | 22,183,000 | 22,159,000 |
| Risk-weighted assets | 92,731,000 | 89,035,000 | 88,311,000 | 90,294,000 |