Call reports 2002
S & T BANK — 2002
What S & T BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 2,226,333,000 | 2,296,040,000 | 2,745,555,000 | 2,782,493,000 |
| Total loans | 1,617,759,000 | 1,689,688,000 | 1,981,057,000 | 1,998,893,000 |
| Allowance for loan losses | 27,853,000 | 28,389,000 | 29,498,000 | 30,138,000 |
| Securities available for sale | 492,327,000 | 485,806,000 | 558,191,000 | 585,543,000 |
| Securities held to maturity | 6,486,000 | 5,297,000 | 1,517,000 | 381,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,603,709,000 | 1,639,491,000 | 1,962,798,000 | 1,927,119,000 |
| Interest-bearing deposits | 1,455,553,000 | 1,491,004,000 | 1,792,310,000 | 1,743,910,000 |
| Noninterest-bearing deposits | 148,156,000 | 148,487,000 | 170,488,000 | 183,209,000 |
| Equity capital | 181,826,000 | 190,374,000 | 277,537,000 | 286,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 35,265,000 | 70,952,000 | 108,090,000 | 148,127,000 |
| Interest expense | 14,474,000 | 28,626,000 | 42,514,000 | 56,390,000 |
| Net interest income | 20,791,000 | 42,326,000 | 65,576,000 | 91,737,000 |
| Noninterest income | 5,419,000 | 11,287,000 | 18,249,000 | 25,793,000 |
| Noninterest expense | 12,413,000 | 24,336,000 | 37,687,000 | 51,831,000 |
| Provision for loan losses | 1,000,000 | 2,500,000 | 4,800,000 | 7,800,000 |
| Pretax income | 12,797,000 | 26,785,000 | 41,370,000 | 56,993,000 |
| Income tax | 3,356,000 | 7,498,000 | 11,616,000 | 15,690,000 |
| Net income | 9,441,000 | 19,287,000 | 29,754,000 | 41,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 173,088,000 | 176,672,000 | 198,720,000 | 210,090,000 |
| Total capital | 196,640,000 | 201,098,000 | 226,463,000 | 238,218,000 |
| Risk-weighted assets | 1,879,868,000 | 1,950,106,000 | 2,215,509,000 | 2,247,380,000 |