Call reports 2015
STANDARD BANK AND TRUST COMPANY — 2015
What STANDARD BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,505,423,000 | 2,438,256,000 | 2,408,923,000 | 2,444,504,000 |
| Total loans | 1,780,959,000 | 1,819,941,000 | 1,863,495,000 | 1,869,787,000 |
| Allowance for loan losses | 23,738,000 | 25,221,000 | 22,933,000 | 22,740,000 |
| Securities available for sale | 179,524,000 | 222,142,000 | 202,516,000 | 192,053,000 |
| Securities held to maturity | 3,836,000 | 3,822,000 | 3,808,000 | 4,591,000 |
| Trading assets | 822,000 | 686,000 | 2,628,000 | 2,916,000 |
| Total deposits | 2,199,212,000 | 2,133,499,000 | 2,128,630,000 | 2,161,961,000 |
| Interest-bearing deposits | 1,494,620,000 | 1,438,122,000 | 1,436,784,000 | 1,467,623,000 |
| Noninterest-bearing deposits | 704,592,000 | 695,377,000 | 691,846,000 | 694,338,000 |
| Equity capital | 270,485,000 | 274,199,000 | 245,446,000 | 249,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 20,060,000 | 40,768,000 | 62,053,000 | 83,340,000 |
| Interest expense | 991,000 | 2,050,000 | 3,126,000 | 4,253,000 |
| Net interest income | 19,069,000 | 38,718,000 | 58,927,000 | 79,087,000 |
| Noninterest income | 7,238,000 | 13,360,000 | 19,527,000 | 25,878,000 |
| Noninterest expense | 16,586,000 | 33,014,000 | 49,722,000 | 66,760,000 |
| Provision for loan losses | 600,000 | 3,400,000 | 4,000,000 | 4,600,000 |
| Pretax income | 9,121,000 | 15,664,000 | 24,732,000 | 33,605,000 |
| Income tax | 3,418,000 | 5,779,000 | 9,164,000 | 12,073,000 |
| Net income | 5,703,000 | 9,885,000 | 15,568,000 | 21,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 267,604,000 | 271,805,000 | 242,176,000 | 248,060,000 |
| Total capital | 291,485,000 | 297,146,000 | 265,243,000 | 270,878,000 |
| Risk-weighted assets | 2,081,077,000 | 2,127,935,000 | 2,162,668,000 | 2,150,002,000 |