Call reports 2008
STANDARD BANK AND TRUST COMPANY — 2008
What STANDARD BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 2,152,581,000 | 2,209,813,000 | 2,248,837,000 | 2,310,882,000 |
| Total loans | 1,743,415,000 | 1,801,646,000 | 1,845,806,000 | 1,891,992,000 |
| Allowance for loan losses | 22,713,000 | 23,998,000 | 26,304,000 | 28,704,000 |
| Securities available for sale | 165,229,000 | 160,379,000 | 155,354,000 | 149,542,000 |
| Securities held to maturity | 9,028,000 | 8,994,000 | 8,961,000 | 8,672,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,781,221,000 | 1,798,847,000 | 1,865,878,000 | 1,912,343,000 |
| Interest-bearing deposits | 1,469,295,000 | 1,465,678,000 | 1,544,812,000 | 1,601,808,000 |
| Noninterest-bearing deposits | 311,926,000 | 333,169,000 | 321,066,000 | 310,535,000 |
| Equity capital | 210,659,000 | 210,783,000 | 214,339,000 | 217,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 31,875,000 | 61,849,000 | 91,234,000 | 120,189,000 |
| Interest expense | 14,857,000 | 27,264,000 | 39,248,000 | 50,867,000 |
| Net interest income | 17,018,000 | 34,585,000 | 51,986,000 | 69,322,000 |
| Noninterest income | 4,344,000 | 9,182,000 | 14,383,000 | 19,101,000 |
| Noninterest expense | 16,347,000 | 32,354,000 | 48,327,000 | 63,168,000 |
| Provision for loan losses | 750,000 | 2,200,000 | 4,700,000 | 11,251,000 |
| Pretax income | 4,265,000 | 9,213,000 | 10,076,000 | 10,738,000 |
| Income tax | 1,574,000 | 3,485,000 | 3,736,000 | 3,905,000 |
| Net income | 2,691,000 | 5,728,000 | 6,340,000 | 6,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 183,062,000 | 185,334,000 | 188,545,000 | 190,994,000 |
| Total capital | 205,775,000 | 209,332,000 | 214,100,000 | 217,181,000 |
| Risk-weighted assets | 1,937,632,000 | 2,008,639,000 | 2,043,683,000 | 2,092,409,000 |
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