Call reports 2007
S & T BANK — 2007
What S & T BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 3,337,416,000 | 3,347,499,000 | 3,324,586,000 | 3,380,616,000 |
| Total loans | 2,734,549,000 | 2,744,867,000 | 2,751,564,000 | 2,796,939,000 |
| Allowance for loan losses | 35,319,000 | 35,808,000 | 34,144,000 | 34,345,000 |
| Securities available for sale | 373,826,000 | 360,494,000 | 341,998,000 | 333,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 4,380,000 | 4,245,000 |
| Total deposits | 2,579,366,000 | 2,626,702,000 | 2,623,638,000 | 2,623,433,000 |
| Interest-bearing deposits | 2,133,274,000 | 2,176,402,000 | 2,170,218,000 | 2,159,670,000 |
| Noninterest-bearing deposits | 446,092,000 | 450,300,000 | 453,420,000 | 463,763,000 |
| Equity capital | 300,258,000 | 291,753,000 | 298,234,000 | 305,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 52,702,000 | 106,763,000 | 161,330,000 | 214,706,000 |
| Interest expense | 24,763,000 | 50,086,000 | 75,573,000 | 99,214,000 |
| Net interest income | 27,939,000 | 56,677,000 | 85,757,000 | 115,492,000 |
| Noninterest income | 9,466,000 | 19,706,000 | 28,883,000 | 37,874,000 |
| Noninterest expense | 18,272,000 | 37,134,000 | 53,670,000 | 73,398,000 |
| Provision for loan losses | 2,178,000 | 3,483,000 | 4,625,000 | 5,812,000 |
| Pretax income | 17,251,000 | 36,386,000 | 57,687,000 | 75,586,000 |
| Income tax | 4,817,000 | 9,972,000 | 15,767,000 | 20,670,000 |
| Net income | 12,434,000 | 26,414,000 | 41,920,000 | 54,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 250,627,000 | 244,052,000 | 250,157,000 | 255,775,000 |
| Total capital | 312,495,000 | 305,952,000 | 310,398,000 | 315,996,000 |
| Risk-weighted assets | 2,933,834,000 | 2,943,091,000 | 2,926,053,000 | 2,946,701,000 |