Call reports 2010
STC CAPITAL BANK — 2010
What STC CAPITAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 147,126,000 | 144,326,000 | 139,162,000 | 159,611,000 |
| Total loans | 113,031,000 | 117,085,000 | 113,684,000 | 115,696,000 |
| Allowance for loan losses | 1,616,000 | 2,331,000 | 2,333,000 | 2,314,000 |
| Securities available for sale | 9,492,000 | 8,413,000 | 11,269,000 | 11,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,621,000 | 122,030,000 | 116,379,000 | 136,523,000 |
| Interest-bearing deposits | 98,434,000 | 95,534,000 | 94,495,000 | 107,447,000 |
| Noninterest-bearing deposits | 26,187,000 | 26,496,000 | 21,884,000 | 29,076,000 |
| Equity capital | 21,885,000 | 21,575,000 | 21,746,000 | 22,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,862,000 | 3,654,000 | 5,474,000 | 7,282,000 |
| Interest expense | 369,000 | 671,000 | 940,000 | 1,196,000 |
| Net interest income | 1,493,000 | 2,983,000 | 4,534,000 | 6,086,000 |
| Noninterest income | 25,000 | 43,000 | 69,000 | 110,000 |
| Noninterest expense | 1,119,000 | 2,248,000 | 3,474,000 | 4,491,000 |
| Provision for loan losses | 46,000 | 762,000 | 841,000 | 1,007,000 |
| Pretax income | 353,000 | 23,000 | 295,000 | 705,000 |
| Income tax | 6,000 | 11,000 | 15,000 | 20,000 |
| Net income | 347,000 | 12,000 | 280,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,677,000 | 21,342,000 | 21,610,000 | 22,015,000 |
| Total capital | 23,247,000 | 22,925,000 | 23,181,000 | 23,645,000 |
| Risk-weighted assets | 125,523,000 | 125,880,000 | 124,952,000 | 129,739,000 |
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