Call reports 2016
STANDARD BANK AND TRUST COMPANY — 2016
What STANDARD BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,454,573,000 | 2,451,560,000 | 2,416,995,000 | 2,326,795,000 |
| Total loans | 1,825,520,000 | 1,815,352,000 | 1,831,748,000 | 1,852,386,000 |
| Allowance for loan losses | 19,359,000 | 18,701,000 | 19,508,000 | 21,627,000 |
| Securities available for sale | 202,965,000 | 212,717,000 | 212,406,000 | 210,134,000 |
| Securities held to maturity | 6,413,000 | 6,765,000 | 6,751,000 | 4,314,000 |
| Trading assets | 6,152,000 | 7,798,000 | 7,576,000 | 2,252,000 |
| Total deposits | 2,163,266,000 | 2,173,390,000 | 2,135,458,000 | 2,058,401,000 |
| Interest-bearing deposits | 1,476,215,000 | 1,450,845,000 | 1,424,424,000 | 1,318,943,000 |
| Noninterest-bearing deposits | 687,051,000 | 722,545,000 | 711,034,000 | 739,458,000 |
| Equity capital | 252,519,000 | 254,411,000 | 256,108,000 | 245,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 21,416,000 | 42,393,000 | 63,306,000 | 84,313,000 |
| Interest expense | 1,131,000 | 2,249,000 | 3,340,000 | 4,364,000 |
| Net interest income | 20,285,000 | 40,144,000 | 59,966,000 | 79,949,000 |
| Noninterest income | 5,346,000 | 11,441,000 | 18,494,000 | 24,514,000 |
| Noninterest expense | 16,826,000 | 33,544,000 | 50,346,000 | 72,900,000 |
| Provision for loan losses | 1,150,000 | 3,900,000 | 5,050,000 | 9,800,000 |
| Pretax income | 7,655,000 | 14,141,000 | 23,064,000 | 21,763,000 |
| Income tax | 2,575,000 | 4,807,000 | 7,920,000 | 7,005,000 |
| Net income | 5,080,000 | 9,334,000 | 15,144,000 | 14,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 250,420,000 | 251,926,000 | 254,095,000 | 244,971,000 |
| Total capital | 269,843,000 | 270,776,000 | 273,663,000 | 266,885,000 |
| Risk-weighted assets | 2,104,446,000 | 2,098,130,000 | 2,105,344,000 | 2,127,541,000 |