Call reports 2012
STC CAPITAL BANK — 2012
What STC CAPITAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 168,892,000 | 161,313,000 | 155,974,000 | 164,994,000 |
| Total loans | 98,787,000 | 106,187,000 | 99,633,000 | 107,945,000 |
| Allowance for loan losses | 2,205,000 | 2,013,000 | 2,056,000 | 1,955,000 |
| Securities available for sale | 34,364,000 | 35,331,000 | 32,276,000 | 24,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,682,000 | 134,260,000 | 132,632,000 | 142,029,000 |
| Interest-bearing deposits | 97,723,000 | 92,934,000 | 91,331,000 | 103,604,000 |
| Noninterest-bearing deposits | 47,959,000 | 41,326,000 | 41,300,000 | 38,425,000 |
| Equity capital | 22,255,000 | 22,146,000 | 22,373,000 | 21,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,225,000 | 4,788,000 | 6,415,000 |
| Interest expense | 155,000 | 293,000 | 421,000 | 547,000 |
| Net interest income | 1,493,000 | 2,932,000 | 4,367,000 | 5,868,000 |
| Noninterest income | -515,000 | -607,000 | -551,000 | -296,000 |
| Noninterest expense | 1,276,000 | 2,644,000 | 4,076,000 | 5,488,000 |
| Provision for loan losses | 9,000 | 147,000 | 230,000 | 950,000 |
| Pretax income | -99,000 | -141,000 | -160,000 | -396,000 |
| Income tax | -4,000 | 0 | 0 | 0 |
| Net income | -95,000 | -141,000 | -160,000 | -396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,137,000 | 22,092,000 | 22,072,000 | 21,836,000 |
| Total capital | 23,596,000 | 23,552,000 | 23,498,000 | 23,348,000 |
| Risk-weighted assets | 115,984,000 | 116,268,000 | 113,839,000 | 120,533,000 |
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