Call reports 2006
S & T BANK — 2006
What S & T BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 3,191,265,000 | 3,258,759,000 | 3,234,631,000 | 3,281,985,000 |
| Total loans | 2,548,884,000 | 2,624,441,000 | 2,617,255,000 | 2,666,291,000 |
| Allowance for loan losses | 37,402,000 | 38,575,000 | 32,717,000 | 33,220,000 |
| Securities available for sale | 426,102,000 | 410,904,000 | 391,485,000 | 389,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,470,971,000 | 2,498,002,000 | 2,559,945,000 | 2,566,523,000 |
| Interest-bearing deposits | 2,053,070,000 | 2,055,021,000 | 2,129,112,000 | 2,117,300,000 |
| Noninterest-bearing deposits | 417,901,000 | 442,981,000 | 430,833,000 | 449,223,000 |
| Equity capital | 310,385,000 | 310,780,000 | 292,859,000 | 295,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 47,529,000 | 98,183,000 | 150,990,000 | 203,563,000 |
| Interest expense | 19,810,000 | 42,648,000 | 66,841,000 | 91,651,000 |
| Net interest income | 27,719,000 | 55,535,000 | 84,149,000 | 111,912,000 |
| Noninterest income | 9,173,000 | 17,866,000 | 26,796,000 | 35,706,000 |
| Noninterest expense | 17,249,000 | 34,092,000 | 50,513,000 | 69,679,000 |
| Provision for loan losses | 1,500,000 | 7,200,000 | 8,552,000 | 9,380,000 |
| Pretax income | 18,543,000 | 32,713,000 | 53,098,000 | 70,336,000 |
| Income tax | 5,335,000 | 9,159,000 | 15,333,000 | 20,038,000 |
| Net income | 13,208,000 | 23,554,000 | 37,765,000 | 50,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 260,138,000 | 262,510,000 | 240,794,000 | 245,924,000 |
| Total capital | 297,133,000 | 300,087,000 | 300,531,000 | 306,363,000 |
| Risk-weighted assets | 2,779,175,000 | 2,844,830,000 | 2,825,261,000 | 2,878,709,000 |