Call reports 2023
SECURITY TRUST & SAVINGS BANK — 2023
What SECURITY TRUST & SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 298,940,000 | 267,136,000 | 276,505,000 | 264,200,000 |
| Total loans | 79,392,000 | 79,983,000 | 79,972,000 | 84,721,000 |
| Allowance for loan losses | 1,282,000 | 1,286,000 | 1,159,000 | 1,233,000 |
| Securities available for sale | 98,459,000 | 97,531,000 | 98,638,000 | 105,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,409,000 | 247,696,000 | 258,103,000 | 242,496,000 |
| Interest-bearing deposits | 261,130,000 | 231,151,000 | 243,970,000 | 226,498,000 |
| Noninterest-bearing deposits | 17,279,000 | 16,545,000 | 14,133,000 | 15,998,000 |
| Equity capital | 20,217,000 | 18,988,000 | 17,739,000 | 21,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,779,000 | 5,842,000 | 8,779,000 | 11,832,000 |
| Interest expense | 1,426,000 | 2,968,000 | 4,669,000 | 6,514,000 |
| Net interest income | 1,353,000 | 2,874,000 | 4,110,000 | 5,318,000 |
| Noninterest income | 58,000 | 110,000 | 177,000 | 229,000 |
| Noninterest expense | 952,000 | 1,911,000 | 2,886,000 | 3,815,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 465,000 | 1,084,000 | 1,418,000 | 1,763,000 |
| Income tax | 40,000 | 69,000 | 84,000 | 99,000 |
| Net income | 425,000 | 1,015,000 | 1,334,000 | 1,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,560,000 | 25,560,000 | 25,897,000 | 25,748,000 |
| Total capital | 26,729,000 | 26,737,000 | 27,077,000 | 26,976,000 |
| Risk-weighted assets | 93,410,000 | 94,086,000 | 94,361,000 | 98,180,000 |