Call reports 2017
STC CAPITAL BANK — 2017
What STC CAPITAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 263,203,000 | 257,555,000 | 264,537,000 | 279,518,000 |
| Total loans | 200,589,000 | 205,970,000 | 220,745,000 | 219,670,000 |
| Allowance for loan losses | 2,474,000 | 2,547,000 | 2,690,000 | 2,701,000 |
| Securities available for sale | 28,617,000 | 28,164,000 | 24,568,000 | 23,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,183,000 | 228,235,000 | 221,203,000 | 249,113,000 |
| Interest-bearing deposits | 150,722,000 | 148,796,000 | 151,729,000 | 162,656,000 |
| Noninterest-bearing deposits | 85,461,000 | 79,440,000 | 69,474,000 | 86,457,000 |
| Equity capital | 25,549,000 | 26,760,000 | 27,334,000 | 27,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,695,000 | 5,514,000 | 8,385,000 | 11,332,000 |
| Interest expense | 243,000 | 514,000 | 794,000 | 1,158,000 |
| Net interest income | 2,452,000 | 5,000,000 | 7,591,000 | 10,174,000 |
| Noninterest income | 230,000 | 541,000 | 817,000 | 1,176,000 |
| Noninterest expense | 1,959,000 | 3,986,000 | 6,109,000 | 8,297,000 |
| Provision for loan losses | 100,000 | 166,000 | 301,000 | 321,000 |
| Pretax income | 623,000 | 1,389,000 | 2,027,000 | 2,761,000 |
| Income tax | 12,000 | 23,000 | 35,000 | 46,000 |
| Net income | 611,000 | 1,366,000 | 1,992,000 | 2,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,984,000 | 26,739,000 | 27,365,000 | 28,088,000 |
| Total capital | 28,458,000 | 29,286,000 | 30,055,000 | 30,789,000 |
| Risk-weighted assets | 223,668,000 | 227,474,000 | 235,038,000 | 243,270,000 |
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