Call reports 2004
S & T BANK — 2004
What S & T BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 2,905,922,000 | 2,953,524,000 | 2,956,049,000 | 2,931,558,000 |
| Total loans | 2,183,931,000 | 2,246,619,000 | 2,292,253,000 | 2,287,350,000 |
| Allowance for loan losses | 32,658,000 | 32,792,000 | 32,127,000 | 34,262,000 |
| Securities available for sale | 534,553,000 | 513,391,000 | 476,558,000 | 459,287,000 |
| Securities held to maturity | 265,000 | 265,000 | 265,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,978,992,000 | 1,978,893,000 | 2,087,231,000 | 2,177,118,000 |
| Interest-bearing deposits | 1,780,260,000 | 1,772,319,000 | 1,879,319,000 | 1,952,906,000 |
| Noninterest-bearing deposits | 198,733,000 | 206,573,000 | 207,912,000 | 224,212,000 |
| Equity capital | 313,265,000 | 291,166,000 | 300,742,000 | 315,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 35,265,000 | 71,208,000 | 108,619,000 | 147,382,000 |
| Interest expense | 9,508,000 | 19,051,000 | 29,608,000 | 40,914,000 |
| Net interest income | 25,757,000 | 52,157,000 | 79,011,000 | 106,468,000 |
| Noninterest income | 7,230,000 | 14,996,000 | 22,102,000 | 30,073,000 |
| Noninterest expense | 14,917,000 | 29,893,000 | 44,947,000 | 60,852,000 |
| Provision for loan losses | 1,500,000 | 3,400,000 | 4,900,000 | 4,400,000 |
| Pretax income | 17,183,000 | 34,613,000 | 52,205,000 | 72,373,000 |
| Income tax | 4,942,000 | 9,955,000 | 15,054,000 | 21,386,000 |
| Net income | 12,241,000 | 24,658,000 | 37,151,000 | 50,987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 239,605,000 | 230,740,000 | 235,891,000 | 251,185,000 |
| Total capital | 272,750,000 | 263,844,000 | 269,846,000 | 285,925,000 |
| Risk-weighted assets | 2,414,794,000 | 2,482,546,000 | 2,518,697,000 | 2,517,976,000 |