Call reports 2013
STANDARD BANK AND TRUST COMPANY — 2013
What STANDARD BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,173,544,000 | 2,162,243,000 | 2,154,070,000 | 2,180,649,000 |
| Total loans | 1,556,038,000 | 1,569,139,000 | 1,616,349,000 | 1,666,298,000 |
| Allowance for loan losses | 58,672,000 | 57,615,000 | 50,556,000 | 40,895,000 |
| Securities available for sale | 161,776,000 | 154,916,000 | 140,290,000 | 139,587,000 |
| Securities held to maturity | 1,927,000 | 1,838,000 | 1,777,000 | 1,763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,911,119,000 | 1,905,573,000 | 1,898,180,000 | 1,921,299,000 |
| Interest-bearing deposits | 1,428,206,000 | 1,405,876,000 | 1,374,550,000 | 1,382,902,000 |
| Noninterest-bearing deposits | 482,913,000 | 499,697,000 | 523,630,000 | 538,397,000 |
| Equity capital | 238,011,000 | 241,533,000 | 245,213,000 | 247,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 19,560,000 | 38,497,000 | 57,777,000 | 77,454,000 |
| Interest expense | 1,598,000 | 3,082,000 | 4,321,000 | 5,439,000 |
| Net interest income | 17,962,000 | 35,415,000 | 53,456,000 | 72,015,000 |
| Noninterest income | 5,066,000 | 10,688,000 | 15,583,000 | 20,688,000 |
| Noninterest expense | 16,543,000 | 33,126,000 | 49,415,000 | 68,235,000 |
| Provision for loan losses | 7,251,000 | 7,751,000 | 8,251,000 | 8,751,000 |
| Pretax income | -766,000 | 5,226,000 | 11,373,000 | 15,717,000 |
| Income tax | -491,000 | 1,854,000 | 4,263,000 | 6,089,000 |
| Net income | -275,000 | 3,372,000 | 7,110,000 | 9,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 207,725,000 | 213,367,000 | 217,727,000 | 221,838,000 |
| Total capital | 228,931,000 | 234,684,000 | 239,549,000 | 244,607,000 |
| Risk-weighted assets | 1,650,691,000 | 1,654,906,000 | 1,701,679,000 | 1,777,127,000 |
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