Call reports 2013
STC CAPITAL BANK — 2013
What STC CAPITAL 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 | 161,868,000 | 150,661,000 | 157,408,000 | 170,325,000 |
| Total loans | 98,172,000 | 110,057,000 | 114,044,000 | 121,541,000 |
| Allowance for loan losses | 1,964,000 | 1,880,000 | 1,951,000 | 1,943,000 |
| Securities available for sale | 25,932,000 | 21,994,000 | 20,368,000 | 19,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,604,000 | 127,929,000 | 134,196,000 | 147,413,000 |
| Interest-bearing deposits | 97,490,000 | 88,991,000 | 92,056,000 | 97,609,000 |
| Noninterest-bearing deposits | 41,114,000 | 38,938,000 | 42,140,000 | 49,804,000 |
| Equity capital | 22,180,000 | 21,847,000 | 21,834,000 | 22,058,000 |
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 | 1,482,000 | 2,994,000 | 4,596,000 | 6,261,000 |
| Interest expense | 115,000 | 225,000 | 335,000 | 448,000 |
| Net interest income | 1,367,000 | 2,769,000 | 4,261,000 | 5,813,000 |
| Noninterest income | 167,000 | 488,000 | 674,000 | 903,000 |
| Noninterest expense | 1,417,000 | 2,782,000 | 4,184,000 | 5,619,000 |
| Provision for loan losses | -175,000 | -64,000 | 143,000 | 348,000 |
| Pretax income | 292,000 | 543,000 | 612,000 | 753,000 |
| Income tax | 4,000 | 7,000 | 11,000 | 15,000 |
| Net income | 288,000 | 536,000 | 601,000 | 738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,123,000 | 22,371,000 | 22,437,000 | 22,573,000 |
| Total capital | 23,519,000 | 23,866,000 | 23,968,000 | 24,251,000 |
| Risk-weighted assets | 110,392,000 | 119,207,000 | 122,593,000 | 134,236,000 |
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