Call reports 2014
STANDARD BANK AND TRUST COMPANY — 2014
What STANDARD BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 2,228,683,000 | 2,258,197,000 | 2,280,045,000 | 2,287,197,000 |
| Total loans | 1,681,075,000 | 1,735,270,000 | 1,746,218,000 | 1,778,926,000 |
| Allowance for loan losses | 41,897,000 | 37,957,000 | 40,796,000 | 26,320,000 |
| Securities available for sale | 124,756,000 | 134,213,000 | 147,079,000 | 154,394,000 |
| Securities held to maturity | 1,747,000 | 2,211,000 | 2,152,000 | 3,888,000 |
| Trading assets | 0 | 0 | 0 | 207,000 |
| Total deposits | 1,967,904,000 | 1,978,224,000 | 1,995,242,000 | 1,997,735,000 |
| Interest-bearing deposits | 1,395,597,000 | 1,381,469,000 | 1,401,777,000 | 1,381,049,000 |
| Noninterest-bearing deposits | 572,307,000 | 596,755,000 | 593,465,000 | 616,686,000 |
| Equity capital | 251,654,000 | 255,914,000 | 260,345,000 | 264,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 19,274,000 | 39,019,000 | 59,301,000 | 79,893,000 |
| Interest expense | 1,022,000 | 2,013,000 | 3,015,000 | 4,010,000 |
| Net interest income | 18,252,000 | 37,006,000 | 56,286,000 | 75,883,000 |
| Noninterest income | 4,493,000 | 9,230,000 | 14,870,000 | 19,935,000 |
| Noninterest expense | 15,904,000 | 31,892,000 | 48,463,000 | 65,603,000 |
| Provision for loan losses | 742,000 | 1,342,000 | 1,942,000 | 2,967,000 |
| Pretax income | 6,099,000 | 13,002,000 | 20,766,000 | 27,859,000 |
| Income tax | 2,369,000 | 5,061,000 | 8,105,000 | 10,744,000 |
| Net income | 3,730,000 | 7,941,000 | 12,661,000 | 17,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 228,579,000 | 230,207,000 | 235,287,000 | 246,093,000 |
| Total capital | 251,426,000 | 253,690,000 | 258,961,000 | 269,993,000 |
| Risk-weighted assets | 1,774,711,000 | 1,828,730,000 | 1,844,764,000 | 1,902,857,000 |
Machine access — free, no API key
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