Call reports 2019
SECURITY TRUST & SAVINGS BANK — 2019
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 231,554,000 | 224,128,000 | 231,849,000 | 228,529,000 |
| Total loans | 93,821,000 | 92,939,000 | 92,522,000 | 91,129,000 |
| Allowance for loan losses | 815,000 | 972,000 | 967,000 | 1,015,000 |
| Securities available for sale | 102,099,000 | 102,478,000 | 98,403,000 | 96,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,001,000 | 196,785,000 | 203,741,000 | 201,214,000 |
| Interest-bearing deposits | 191,642,000 | 184,867,000 | 193,504,000 | 189,410,000 |
| Noninterest-bearing deposits | 13,359,000 | 11,918,000 | 10,237,000 | 11,804,000 |
| Equity capital | 25,512,000 | 26,298,000 | 26,974,000 | 26,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,996,000 | 3,961,000 | 5,890,000 | 7,818,000 |
| Interest expense | 562,000 | 1,178,000 | 1,792,000 | 2,410,000 |
| Net interest income | 1,434,000 | 2,783,000 | 4,098,000 | 5,408,000 |
| Noninterest income | 52,000 | 91,000 | 142,000 | 193,000 |
| Noninterest expense | 942,000 | 1,865,000 | 2,824,000 | 3,951,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 150,000 |
| Pretax income | 544,000 | 910,000 | 1,275,000 | 1,478,000 |
| Income tax | 33,000 | 43,000 | 62,000 | 81,000 |
| Net income | 511,000 | 867,000 | 1,213,000 | 1,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,628,000 | 23,460,000 | 23,846,000 | 23,591,000 |
| Total capital | 24,443,000 | 24,432,000 | 24,813,000 | 24,606,000 |
| Risk-weighted assets | 119,782,000 | 117,948,000 | 114,629,000 | 113,286,000 |