Call reports 2010
STANDARD BANK AND TRUST COMPANY — 2010
What STANDARD BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 2,363,226,000 | 2,366,516,000 | 2,320,371,000 | 2,244,599,000 |
| Total loans | 1,851,127,000 | 1,864,176,000 | 1,818,460,000 | 1,684,501,000 |
| Allowance for loan losses | 42,815,000 | 41,562,000 | 51,535,000 | 41,715,000 |
| Securities available for sale | 90,469,000 | 79,944,000 | 71,693,000 | 138,330,000 |
| Securities held to maturity | 5,947,000 | 5,904,000 | 5,867,000 | 5,489,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,015,695,000 | 2,023,380,000 | 2,000,927,000 | 1,960,490,000 |
| Interest-bearing deposits | 1,665,948,000 | 1,663,643,000 | 1,626,429,000 | 1,584,185,000 |
| Noninterest-bearing deposits | 349,747,000 | 359,737,000 | 374,498,000 | 376,305,000 |
| Equity capital | 252,940,000 | 253,691,000 | 248,854,000 | 224,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 26,231,000 | 51,912,000 | 77,952,000 | 102,723,000 |
| Interest expense | 5,706,000 | 10,927,000 | 15,837,000 | 20,030,000 |
| Net interest income | 20,525,000 | 40,985,000 | 62,115,000 | 82,693,000 |
| Noninterest income | 4,270,000 | 8,195,000 | 12,945,000 | 17,229,000 |
| Noninterest expense | 16,972,000 | 33,395,000 | 50,086,000 | 65,066,000 |
| Provision for loan losses | 6,750,000 | 13,900,000 | 30,300,000 | 79,282,000 |
| Pretax income | 1,073,000 | 1,885,000 | -5,318,000 | -44,418,000 |
| Income tax | 263,000 | 435,000 | -2,414,000 | -17,351,000 |
| Net income | 810,000 | 1,450,000 | -2,904,000 | -27,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 227,653,000 | 228,503,000 | 224,399,000 | 185,855,000 |
| Total capital | 252,858,000 | 253,727,000 | 249,123,000 | 208,715,000 |
| Risk-weighted assets | 1,998,719,000 | 2,001,585,000 | 1,951,071,000 | 1,809,974,000 |
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