S&T Bancorp, Inc. | Page 1 of 3 | ||||
2000 | 2001 | ||||
| March | June | September | December | March |
Interest Income (FTE) | $42,665 | $43,979 | $46,117 | $46,527 | $44,911 |
Interest Expense | 19,866 | 21,043 | 22,442 | 22,790 | 21,560 |
Net Interest Income (FTE) | 22,799 | 22,936 | 23,675 | 23,737 | 23,351 |
Provision For Loan Losses | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 |
Net Interest Income | |||||
After Provisions (FTE) | 21,799 | 21,936 | 22,675 | 22,737 | 22,351 |
Security Gains, Net | 895 | 569 | 961 | 836 | 1,424 |
Service Charges and Fees | 1,490 | 1,710 | 1,787 | 1,823 | 1,715 |
Wealth Management | 1,087 | 1,174 | 1,074 | 1,195 | 1,299 |
Other | 1,784 | 2,025 | 1,895 | 1,850 | 2,010 |
Total Other Income | 4,361 | 4,910 | 4,756 | 4,868 | 5,024 |
Salaries and Employee Benefits | 5,997 | 5,862 | 5,967 | 5,640 | 6,436 |
Occupancy and Equip. Expense, Net | 1,422 | 1,366 | 1,419 | 1,489 | 1,512 |
Data Processing Expense | 620 | 647 | 572 | 634 | 641 |
FDIC Expense | 74 | 73 | 74 | 73 | 72 |
Other | 3,199 | 3,228 | 3,698 | 3,602 | 3,029 |
Total Other Expense | 11,312 | 11,177 | 11,730 | 11,438 | 11,690 |
Income Before Income Taxes | 15,743 | 16,237 | 16,662 | 17,003 | 17,109 |
Taxable Equivalent Adjustment | 766 | 764 | 790 | 787 | 734 |
Federal Income Taxes | 4,190 | 4,331 | 4,459 | 4,586 | 4,725 |
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Shares Outstanding | 27,000,042 | 26,985,902 | 26,985,512 | 26,947,412 | 26,960,118 |
Ave. Shs. Outstanding - Diluted | 27,092,954 | 27,070,613 | 27,071,143 | 27,061,281 | 27,120,228 |
Net Income - Diluted | $0.40 | $0.41 | $0.42 | $0.43 | $0.43 |
Dividends Declared | $0.20 | $0.21 | $0.21 | $0.22 | $0.22 |
Book Value | $8.96 | $9.19 | $9.81 | $10.28 | $10.56 |
Market Value | $17.13 | $18.25 | $19.00 | $21.63 | $23.14 |
S&T Bancorp, Inc. | Page 2 of 3 | ||||
2000 | 2001 | ||||
| March | June | September | December | March |
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Assets acquired through foreclosure | |||||
or repossession | 360 | 403 | 339 | 548 | 546 |
Nonperforming Assets | 8,643 | 12,840 | 8,187 | 3,445 | 4,237 |
Loan Loss Reserve | 29,410 | 29,892 | 30,030 | 27,395 | 27,993 |
Nonperforming Loans / Loans | 0.55% | 0.80% | 0.49% | 0.18% | 0.23% |
Loan Loss Reserve / Loans | 1.95% | 1.92% | 1.88% | 1.71% | 1.71% |
Loan Loss Reserve / | |||||
Nonperforming Loans | 355% | 240% | 383% | 946% | 758% |
Net Loan Charge-offs (Recoveries) | (1,276) | 517 | 863 | 3,635 | 402 |
Net Loan Charge-offs (Recoveries) | |||||
(annualized) /Average Loans | -0.34% | 0.14% | 0.22% | 0.90% | 0.10% |
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Assets | $2,233,108 | $2,290,409 | $2,296,267 | $2,310,290 | $2,354,398 |
Earning Assets (1) | 2,105,152 | 2,160,577 | 2,146,881 | 2,142,587 | 2,185,844 |
Securities (1) | 547,690 | 555,625 | 552,545 | 530,909 | 493,835 |
Loans, Gross | 1,509,096 | 1,558,892 | 1,594,336 | 1,605,023 | 1,638,184 |
Total Deposits | 1,471,893 | 1,484,229 | 1,494,064 | 1,525,332 | 1,567,006 |
Non-Interest Bearing Deposits | 224,295 | 228,651 | 234,519 | 232,625 | 228,958 |
NOW, Money Market & Savings | 580,990 | 572,001 | 569,174 | 576,361 | 598,199 |
CD's $100,000 and over | 103,643 | 105,863 | 114,026 | 123,299 | 132,198 |
Other Time Deposits | 562,965 | 577,714 | 576,345 | 593,047 | 607,651 |
Short-term borrowings | 87,895 | 91,389 | 106,933 | 80,686 | 66,670 |
Long-term Debt | 389,109 | 427,139 | 384,868 | 377,997 | 378,227 |
Shareholder's Equity | 241,929 | 247,915 | 264,807 | 277,097 | 284,627 |
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Assets | $2,192,311 | $2,239,178 | $2,276,239 | $2,300,826 | $2,311,571 |
Earning Assets (1) | 2,070,061 | 2,113,351 | 2,140,779 | 2,152,056 | 2,148,007 |
Securities (1) | 549,814 | 550,513 | 551,750 | 543,332 | 500,196 |
Loans, Gross | 1,504,126 | 1,530,954 | 1,560,713 | 1,599,305 | 1,620,031 |
Deposits | 1,444,314 | 1,477,065 | 1,482,129 | 1,500,831 | 1,531,354 |
Shareholder's Equity | 239,833 | 248,510 | 260,323 | 273,805 | 285,041 |
(1) Excludes unrealized gains related to securities available for sale. |
S&T Bancorp, Inc. | Page 3 of 3 | ||||
2000 | 2001 | ||||
| March | June | September | December | March |
Return on Average Assets | 1.98% | 2.00% | 1.99% | 2.01% | 2.04% |
Return on Average Shareholder's Equity | 18.09% | 18.03% | 17.44% | 16.90% | 16.58% |
Yield on Earning Assets (FTE) | 8.29% | 8.37% | 8.57% | 8.60% | 8.48% |
Cost of Interest Bearing Funds | 4.68% | 4.89% | 5.09% | 5.15% | 4.98% |
Net Interest Margin (FTE) | 4.43% | 4.37% | 4.40% | 4.39% | 4.41% |
Efficiency Ratio (FTE)(1) | 41.65% | 40.14% | 41.26% | 39.99% | 41.20% |
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Dividends Paid to Net Income | 50.02% | 48.46% | 49.66% | 50.97% | 50.89% |
Shareholder's Equity to Assets (Period End) | 10.83% | 10.82% | 11.53% | 11.99% | 12.09% |
Leverage Ratio (2) | 10.18% | 10.21% | 10.30% | 10.41% | 10.62% |
Risk Based Capital - Tier I (3) | 12.24% | 12.19% | 12.23% | 12.28% | 12.28% |
Risk Based Capital - Tier II (3) | 14.28% | 14.22% | 14.53% | 14.61% | 14.52% |
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Shareholders of Record | 3,189 | 3,202 | 3,179 | 3,183 | 3,174 |
Number of Banking Offices | 38 | 38 | 39 | 39 | 39 |
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(1) Recurring non-interest expense divided by recurring non-interest income plus net interest income, on a fully taxable equivalent basis. | |||||
(2) Equity less goodwill to total assets and allowance for loan losses. | |||||
(3) Effective October 1, 1998, banking regulators require financial institutions to include 45% of the pretax net unrealized holding gains on available for sale equity securities in Tier 2 capital. |