Call reports 2008
S & T BANK — 2008
What S & T BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 3,436,947,000 | 4,335,419,000 | 4,440,790,000 | 4,410,695,000 |
| Total loans | 2,850,866,000 | 3,467,664,000 | 3,578,587,000 | 3,568,716,000 |
| Allowance for loan losses | 35,717,000 | 38,796,000 | 43,235,000 | 42,689,000 |
| Securities available for sale | 322,849,000 | 427,385,000 | 456,056,000 | 439,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 3,925,000 | 3,704,000 | 2,922,000 | 2,268,000 |
| Total deposits | 2,627,088,000 | 3,115,185,000 | 3,133,926,000 | 3,228,462,000 |
| Interest-bearing deposits | 2,156,048,000 | 2,521,846,000 | 2,533,680,000 | 2,628,180,000 |
| Noninterest-bearing deposits | 471,040,000 | 593,339,000 | 600,246,000 | 600,282,000 |
| Equity capital | 316,442,000 | 436,269,000 | 443,685,000 | 442,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 50,239,000 | 100,455,000 | 157,755,000 | 215,420,000 |
| Interest expense | 19,852,000 | 36,359,000 | 54,285,000 | 71,205,000 |
| Net interest income | 30,387,000 | 64,096,000 | 103,470,000 | 144,215,000 |
| Noninterest income | 9,339,000 | 19,424,000 | 30,784,000 | 41,109,000 |
| Noninterest expense | 18,017,000 | 40,426,000 | 63,105,000 | 84,414,000 |
| Provision for loan losses | 1,279,000 | 1,161,000 | 7,317,000 | 12,878,000 |
| Pretax income | 20,535,000 | 40,213,000 | 62,915,000 | 86,674,000 |
| Income tax | 5,768,000 | 11,236,000 | 16,875,000 | 24,028,000 |
| Net income | 14,767,000 | 28,977,000 | 46,040,000 | 62,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 262,709,000 | 260,919,000 | 271,081,000 | 283,905,000 |
| Total capital | 324,354,000 | 371,850,000 | 386,116,000 | 397,917,000 |
| Risk-weighted assets | 2,991,849,000 | 3,525,567,000 | 3,602,826,000 | 3,564,223,000 |