Call reports 2003
S & T BANK — 2003
What S & T BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 2,819,406,000 | 2,873,133,000 | 2,812,784,000 | 2,849,645,000 |
| Total loans | 2,024,227,000 | 2,033,428,000 | 2,055,202,000 | 2,100,620,000 |
| Allowance for loan losses | 29,837,000 | 31,483,000 | 31,714,000 | 31,478,000 |
| Securities available for sale | 589,817,000 | 636,415,000 | 570,220,000 | 553,886,000 |
| Securities held to maturity | 350,000 | 319,000 | 287,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,948,206,000 | 1,929,908,000 | 1,941,111,000 | 1,963,196,000 |
| Interest-bearing deposits | 1,761,431,000 | 1,737,044,000 | 1,749,445,000 | 1,763,159,000 |
| Noninterest-bearing deposits | 186,775,000 | 192,864,000 | 191,666,000 | 200,037,000 |
| Equity capital | 289,664,000 | 299,709,000 | 296,705,000 | 306,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 38,486,000 | 76,919,000 | 113,539,000 | 149,718,000 |
| Interest expense | 12,929,000 | 25,314,000 | 36,757,000 | 47,088,000 |
| Net interest income | 25,557,000 | 51,605,000 | 76,782,000 | 102,630,000 |
| Noninterest income | 6,933,000 | 13,670,000 | 22,165,000 | 29,393,000 |
| Noninterest expense | 14,268,000 | 28,481,000 | 43,414,000 | 61,365,000 |
| Provision for loan losses | 2,400,000 | 4,300,000 | 5,800,000 | 7,300,000 |
| Pretax income | 15,525,000 | 32,578,000 | 49,211,000 | 64,037,000 |
| Income tax | 4,451,000 | 9,390,000 | 14,018,000 | 18,135,000 |
| Net income | 11,074,000 | 23,188,000 | 35,193,000 | 45,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 214,634,000 | 220,654,000 | 224,985,000 | 235,423,000 |
| Total capital | 242,894,000 | 250,589,000 | 255,648,000 | 268,451,000 |
| Risk-weighted assets | 2,259,326,000 | 2,292,682,000 | 2,295,241,000 | 2,370,944,000 |