Call reports 2019
STC CAPITAL BANK — 2019
What STC CAPITAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Total assets | 276,603,000 | 274,521,000 | 239,526,000 |
| Total loans | 204,863,000 | 190,509,000 | 181,187,000 |
| Allowance for loan losses | 2,585,000 | 2,289,000 | 2,173,000 |
| Securities available for sale | 20,904,000 | 20,738,000 | 20,142,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 245,527,000 | 243,933,000 | 208,132,000 |
| Interest-bearing deposits | 160,103,000 | 147,886,000 | 146,636,000 |
| Noninterest-bearing deposits | 85,424,000 | 96,047,000 | 61,496,000 |
| Equity capital | 29,934,000 | 29,346,000 | 30,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Interest income | 2,986,000 | 6,306,000 | 9,109,000 |
| Interest expense | 471,000 | 953,000 | 1,472,000 |
| Net interest income | 2,515,000 | 5,353,000 | 7,637,000 |
| Noninterest income | 195,000 | 440,000 | 619,000 |
| Noninterest expense | 2,192,000 | 4,415,000 | 6,292,000 |
| Provision for loan losses | 0 | 1,043,000 | 928,000 |
| Pretax income | 518,000 | 335,000 | 1,036,000 |
| Income tax | 8,000 | 0 | -19,000 |
| Net income | 510,000 | 335,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Tier 1 capital | 30,212,000 | 29,237,000 | 29,958,000 |
| Total capital | 32,797,000 | 31,525,000 | 32,131,000 |
| Risk-weighted assets | 215,276,000 | 201,402,000 | 191,561,000 |
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