Call reports 2020
SECURITY TRUST & SAVINGS BANK — 2020
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 236,689,000 | 234,106,000 | 253,398,000 | 257,128,000 |
| Total loans | 90,877,000 | 93,421,000 | 90,876,000 | 87,389,000 |
| Allowance for loan losses | 1,015,000 | 1,115,000 | 1,116,000 | 1,166,000 |
| Securities available for sale | 91,708,000 | 89,019,000 | 84,940,000 | 82,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,553,000 | 204,703,000 | 223,506,000 | 228,871,000 |
| Interest-bearing deposits | 196,656,000 | 190,951,000 | 209,713,000 | 213,487,000 |
| Noninterest-bearing deposits | 10,897,000 | 13,752,000 | 13,793,000 | 15,384,000 |
| Equity capital | 28,123,000 | 28,352,000 | 28,757,000 | 28,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,877,000 | 3,808,000 | 5,464,000 | 6,963,000 |
| Interest expense | 552,000 | 982,000 | 1,373,000 | 1,760,000 |
| Net interest income | 1,325,000 | 2,826,000 | 4,091,000 | 5,203,000 |
| Noninterest income | 51,000 | 85,000 | 133,000 | 182,000 |
| Noninterest expense | 954,000 | 1,881,000 | 2,779,000 | 3,684,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 100,000 |
| Pretax income | 428,000 | 989,000 | 1,396,000 | 1,604,000 |
| Income tax | 23,000 | 51,000 | 73,000 | 81,000 |
| Net income | 405,000 | 938,000 | 1,323,000 | 1,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,021,000 | 24,022,000 | 24,449,000 | 23,982,000 |
| Total capital | 25,036,000 | 25,137,000 | 25,565,000 | 25,148,000 |
| Risk-weighted assets | 113,662,000 | 113,300,000 | 107,202,000 | 99,497,000 |