Call reports 2009
STANDARD BANK AND TRUST COMPANY — 2009
What STANDARD BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 2,334,426,000 | 2,365,233,000 | 2,348,957,000 | 2,381,549,000 |
| Total loans | 1,907,296,000 | 1,884,245,000 | 1,856,222,000 | 1,874,243,000 |
| Allowance for loan losses | 30,293,000 | 34,524,000 | 39,067,000 | 42,606,000 |
| Securities available for sale | 133,045,000 | 105,352,000 | 84,196,000 | 81,147,000 |
| Securities held to maturity | 8,311,000 | 8,273,000 | 8,169,000 | 6,407,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,990,729,000 | 1,974,947,000 | 1,983,462,000 | 1,997,553,000 |
| Interest-bearing deposits | 1,665,775,000 | 1,621,838,000 | 1,627,890,000 | 1,645,066,000 |
| Noninterest-bearing deposits | 324,954,000 | 353,109,000 | 355,572,000 | 352,487,000 |
| Equity capital | 218,654,000 | 255,367,000 | 254,613,000 | 252,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 27,978,000 | 55,687,000 | 82,634,000 | 109,741,000 |
| Interest expense | 10,511,000 | 20,177,000 | 28,853,000 | 35,688,000 |
| Net interest income | 17,467,000 | 35,510,000 | 53,781,000 | 74,053,000 |
| Noninterest income | 4,416,000 | 9,173,000 | 13,605,000 | 17,587,000 |
| Noninterest expense | 16,114,000 | 32,584,000 | 49,094,000 | 64,376,000 |
| Provision for loan losses | 3,100,000 | 8,300,000 | 14,300,000 | 25,850,000 |
| Pretax income | 2,669,000 | 3,799,000 | 3,992,000 | 3,000 |
| Income tax | 996,000 | 1,368,000 | 1,379,000 | -297,000 |
| Net income | 1,673,000 | 2,431,000 | 2,613,000 | 300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 192,123,000 | 229,392,000 | 228,679,000 | 226,556,000 |
| Total capital | 217,768,000 | 255,159,000 | 254,028,000 | 252,064,000 |
| Risk-weighted assets | 2,092,557,000 | 2,052,594,000 | 2,014,223,000 | 2,023,503,000 |
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