Call reports 2012
STANDARD BANK AND TRUST COMPANY — 2012
What STANDARD BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,157,483,000 | 2,189,596,000 | 2,162,245,000 | 2,152,765,000 |
| Total loans | 1,552,099,000 | 1,545,930,000 | 1,562,468,000 | 1,567,734,000 |
| Allowance for loan losses | 50,524,000 | 48,358,000 | 46,143,000 | 59,206,000 |
| Securities available for sale | 139,224,000 | 140,059,000 | 189,112,000 | 175,792,000 |
| Securities held to maturity | 2,034,000 | 2,016,000 | 1,998,000 | 1,968,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,900,946,000 | 1,934,918,000 | 1,905,451,000 | 1,920,489,000 |
| Interest-bearing deposits | 1,459,586,000 | 1,456,923,000 | 1,447,607,000 | 1,428,245,000 |
| Noninterest-bearing deposits | 441,360,000 | 477,995,000 | 457,844,000 | 492,244,000 |
| Equity capital | 215,358,000 | 219,548,000 | 224,097,000 | 196,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 21,019,000 | 42,030,000 | 62,606,000 | 83,265,000 |
| Interest expense | 2,606,000 | 5,008,000 | 7,182,000 | 9,084,000 |
| Net interest income | 18,413,000 | 37,022,000 | 55,424,000 | 74,181,000 |
| Noninterest income | 4,283,000 | 9,002,000 | 13,996,000 | 19,427,000 |
| Noninterest expense | 16,062,000 | 32,308,000 | 47,983,000 | 88,069,000 |
| Provision for loan losses | 14,650,000 | 15,145,000 | 15,640,000 | 33,384,000 |
| Pretax income | -8,016,000 | -1,429,000 | 5,797,000 | -27,845,000 |
| Income tax | -3,286,000 | -838,000 | 1,862,000 | -4,604,000 |
| Net income | -4,730,000 | -591,000 | 3,935,000 | -23,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 166,323,000 | 176,011,000 | 182,760,000 | 163,799,000 |
| Total capital | 187,501,000 | 197,151,000 | 204,176,000 | 185,477,000 |
| Risk-weighted assets | 1,664,928,000 | 1,662,883,000 | 1,688,529,000 | 1,696,738,000 |
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