Call reports 2018
STC CAPITAL BANK — 2018
What STC CAPITAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 264,056,000 | 272,911,000 | 263,972,000 | 277,354,000 |
| Total loans | 215,653,000 | 222,771,000 | 215,803,000 | 214,606,000 |
| Allowance for loan losses | 2,708,000 | 2,713,000 | 2,570,000 | 2,578,000 |
| Securities available for sale | 22,698,000 | 21,961,000 | 21,611,000 | 21,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,889,000 | 236,673,000 | 234,001,000 | 246,746,000 |
| Interest-bearing deposits | 161,554,000 | 150,473,000 | 150,534,000 | 153,109,000 |
| Noninterest-bearing deposits | 73,335,000 | 86,200,000 | 83,467,000 | 93,637,000 |
| Equity capital | 27,914,000 | 27,476,000 | 28,242,000 | 29,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,903,000 | 5,872,000 | 8,849,000 | 11,937,000 |
| Interest expense | 398,000 | 796,000 | 1,224,000 | 1,672,000 |
| Net interest income | 2,505,000 | 5,076,000 | 7,625,000 | 10,265,000 |
| Noninterest income | 309,000 | 776,000 | 1,320,000 | 1,512,000 |
| Noninterest expense | 2,371,000 | 4,814,000 | 7,120,000 | 9,277,000 |
| Provision for loan losses | 0 | 0 | -150,000 | -150,000 |
| Pretax income | 444,000 | 1,039,000 | 1,976,000 | 2,651,000 |
| Income tax | 7,000 | 15,000 | 27,000 | 37,000 |
| Net income | 437,000 | 1,024,000 | 1,949,000 | 2,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,525,000 | 28,112,000 | 29,037,000 | 29,702,000 |
| Total capital | 31,233,000 | 30,825,000 | 31,607,000 | 32,280,000 |
| Risk-weighted assets | 237,296,000 | 237,997,000 | 233,170,000 | 229,866,000 |
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