Call reports 2013
S & T BANK — 2013
What S & T BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 4,458,587,000 | 4,508,044,000 | 4,566,905,000 | 4,513,938,000 |
| Total loans | 3,384,562,000 | 3,446,418,000 | 3,515,030,000 | 3,568,335,000 |
| Allowance for loan losses | 45,936,000 | 46,105,000 | 47,983,000 | 46,255,000 |
| Securities available for sale | 460,640,000 | 470,934,000 | 479,205,000 | 500,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,966,000 | 3,063,000 | 2,545,000 | 2,864,000 |
| Total deposits | 3,651,771,000 | 3,662,563,000 | 3,708,593,000 | 3,687,160,000 |
| Interest-bearing deposits | 3,189,985,000 | 3,206,849,000 | 3,268,311,000 | 3,221,439,000 |
| Noninterest-bearing deposits | 461,786,000 | 455,714,000 | 440,282,000 | 465,721,000 |
| Equity capital | 529,178,000 | 530,715,000 | 538,330,000 | 553,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 37,742,000 | 76,202,000 | 114,689,000 | 153,373,000 |
| Interest expense | 3,987,000 | 7,755,000 | 10,872,000 | 13,809,000 |
| Net interest income | 33,755,000 | 68,447,000 | 103,817,000 | 139,564,000 |
| Noninterest income | 15,733,000 | 29,423,000 | 42,666,000 | 55,042,000 |
| Noninterest expense | 31,668,000 | 60,044,000 | 87,836,000 | 117,313,000 |
| Provision for loan losses | 2,307,000 | 3,330,000 | 6,749,000 | 8,311,000 |
| Pretax income | 15,514,000 | 34,497,000 | 51,901,000 | 68,985,000 |
| Income tax | 2,586,000 | 6,551,000 | 11,008,000 | 14,973,000 |
| Net income | 12,928,000 | 27,946,000 | 40,893,000 | 54,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 366,039,000 | 375,291,000 | 382,524,000 | 389,583,000 |
| Total capital | 476,985,000 | 441,950,000 | 450,090,000 | 457,539,000 |
| Risk-weighted assets | 3,265,843,000 | 3,323,425,000 | 3,395,342,000 | 3,428,211,000 |