Call reports 2005
S & T BANK — 2005
What S & T BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 2,972,728,000 | 3,036,150,000 | 3,045,119,000 | 3,134,754,000 |
| Total loans | 2,318,699,000 | 2,390,621,000 | 2,410,318,000 | 2,491,506,000 |
| Allowance for loan losses | 34,339,000 | 33,525,000 | 36,093,000 | 36,572,000 |
| Securities available for sale | 461,320,000 | 448,566,000 | 441,150,000 | 438,295,000 |
| Securities held to maturity | 265,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,170,498,000 | 2,209,301,000 | 2,311,553,000 | 2,419,599,000 |
| Interest-bearing deposits | 1,955,393,000 | 1,991,277,000 | 2,081,828,000 | 2,181,840,000 |
| Noninterest-bearing deposits | 215,105,000 | 218,024,000 | 229,725,000 | 237,759,000 |
| Equity capital | 313,212,000 | 305,056,000 | 308,049,000 | 312,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 39,137,000 | 80,994,000 | 124,691,000 | 170,799,000 |
| Interest expense | 12,150,000 | 25,932,000 | 41,535,000 | 59,530,000 |
| Net interest income | 26,987,000 | 55,062,000 | 83,156,000 | 111,269,000 |
| Noninterest income | 7,570,000 | 16,501,000 | 25,041,000 | 33,879,000 |
| Noninterest expense | 16,070,000 | 31,948,000 | 46,876,000 | 63,401,000 |
| Provision for loan losses | 800,000 | 500,000 | 3,500,000 | 5,000,000 |
| Pretax income | 17,932,000 | 39,360,000 | 58,066,000 | 77,143,000 |
| Income tax | 5,178,000 | 11,738,000 | 17,054,000 | 22,510,000 |
| Net income | 12,754,000 | 27,622,000 | 41,012,000 | 54,633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 254,629,000 | 248,487,000 | 254,231,000 | 260,966,000 |
| Total capital | 288,775,000 | 283,492,000 | 289,357,000 | 297,043,000 |
| Risk-weighted assets | 2,567,530,000 | 2,641,156,000 | 2,639,330,000 | 2,726,443,000 |