Call reports 2014
STC CAPITAL BANK — 2014
What STC CAPITAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 173,304,000 | 176,416,000 | 192,373,000 | 189,772,000 |
| Total loans | 123,500,000 | 131,630,000 | 142,886,000 | 140,375,000 |
| Allowance for loan losses | 1,963,000 | 2,015,000 | 2,192,000 | 1,876,000 |
| Securities available for sale | 18,623,000 | 15,810,000 | 14,965,000 | 13,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,243,000 | 152,793,000 | 168,233,000 | 164,704,000 |
| Interest-bearing deposits | 101,821,000 | 107,287,000 | 105,536,000 | 110,405,000 |
| Noninterest-bearing deposits | 47,422,000 | 45,505,000 | 62,697,000 | 54,299,000 |
| Equity capital | 22,561,000 | 22,823,000 | 23,199,000 | 23,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,687,000 | 3,466,000 | 5,376,000 | 7,304,000 |
| Interest expense | 115,000 | 248,000 | 395,000 | 549,000 |
| Net interest income | 1,572,000 | 3,218,000 | 4,981,000 | 6,755,000 |
| Noninterest income | 156,000 | 456,000 | 919,000 | 1,218,000 |
| Noninterest expense | 1,460,000 | 3,106,000 | 4,846,000 | 6,487,000 |
| Provision for loan losses | 0 | 48,000 | 221,000 | 221,000 |
| Pretax income | 268,000 | 529,000 | 842,000 | 1,277,000 |
| Income tax | 4,000 | 9,000 | 16,000 | 20,000 |
| Net income | 264,000 | 520,000 | 826,000 | 1,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,837,000 | 22,893,000 | 23,199,000 | 23,630,000 |
| Total capital | 24,513,000 | 24,662,000 | 25,108,000 | 25,491,000 |
| Risk-weighted assets | 133,849,000 | 141,272,000 | 152,401,000 | 149,103,000 |
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