Call reports 2016
STC CAPITAL BANK — 2016
What STC CAPITAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 220,606,000 | 223,399,000 | 236,767,000 | 247,011,000 |
| Total loans | 167,130,000 | 179,760,000 | 191,280,000 | 196,819,000 |
| Allowance for loan losses | 1,980,000 | 2,113,000 | 2,281,000 | 2,367,000 |
| Securities available for sale | 24,639,000 | 27,423,000 | 26,200,000 | 24,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,315,000 | 188,305,000 | 206,844,000 | 218,212,000 |
| Interest-bearing deposits | 128,356,000 | 130,088,000 | 128,345,000 | 132,411,000 |
| Noninterest-bearing deposits | 66,959,000 | 58,217,000 | 78,498,000 | 85,801,000 |
| Equity capital | 24,174,000 | 24,969,000 | 25,699,000 | 25,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,184,000 | 4,541,000 | 7,053,000 | 9,677,000 |
| Interest expense | 192,000 | 400,000 | 634,000 | 858,000 |
| Net interest income | 1,992,000 | 4,141,000 | 6,419,000 | 8,819,000 |
| Noninterest income | 277,000 | 659,000 | 1,253,000 | 1,734,000 |
| Noninterest expense | 1,788,000 | 3,642,000 | 5,536,000 | 7,334,000 |
| Provision for loan losses | 322,000 | 455,000 | 618,000 | 696,000 |
| Pretax income | 178,000 | 722,000 | 1,537,000 | 2,511,000 |
| Income tax | 3,000 | 15,000 | 30,000 | 45,000 |
| Net income | 175,000 | 707,000 | 1,507,000 | 2,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,082,000 | 24,615,000 | 25,415,000 | 26,373,000 |
| Total capital | 26,062,000 | 26,728,000 | 27,696,000 | 28,740,000 |
| Risk-weighted assets | 182,924,000 | 199,258,000 | 212,228,000 | 220,479,000 |
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