Call reports 2021
SECURITY TRUST & SAVINGS BANK — 2021
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 285,834,000 | 278,250,000 | 288,205,000 | 283,371,000 |
| Total loans | 84,358,000 | 78,650,000 | 75,104,000 | 78,164,000 |
| Allowance for loan losses | 1,218,000 | 1,234,000 | 1,235,000 | 1,232,000 |
| Securities available for sale | 81,822,000 | 79,947,000 | 75,993,000 | 78,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,833,000 | 250,454,000 | 260,584,000 | 256,883,000 |
| Interest-bearing deposits | 241,220,000 | 233,979,000 | 243,322,000 | 239,861,000 |
| Noninterest-bearing deposits | 16,613,000 | 16,475,000 | 17,262,000 | 17,022,000 |
| Equity capital | 27,740,000 | 27,549,000 | 27,312,000 | 26,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,690,000 | 3,080,000 | 4,363,000 | 5,649,000 |
| Interest expense | 350,000 | 702,000 | 1,027,000 | 1,331,000 |
| Net interest income | 1,340,000 | 2,378,000 | 3,336,000 | 4,318,000 |
| Noninterest income | 58,000 | 95,000 | 137,000 | 184,000 |
| Noninterest expense | 910,000 | 1,849,000 | 2,740,000 | 3,649,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 498,000 | 634,000 | 747,000 | 874,000 |
| Income tax | 22,000 | 30,000 | 35,000 | 41,000 |
| Net income | 476,000 | 604,000 | 712,000 | 833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,436,000 | 24,126,000 | 24,262,000 | 23,965,000 |
| Total capital | 25,605,000 | 25,228,000 | 25,312,000 | 25,072,000 |
| Risk-weighted assets | 93,495,000 | 88,002,000 | 83,809,000 | 88,504,000 |