Call reports 2009
STANDARD BANK — 2009
What STANDARD BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 373,609,000 | 383,828,000 | 381,678,000 | 392,531,000 |
| Total loans | 261,244,000 | 263,219,000 | 273,847,000 | 278,433,000 |
| Allowance for loan losses | 2,600,000 | 2,672,000 | 3,078,000 | 3,156,000 |
| Securities available for sale | 48,758,000 | 64,001,000 | 68,890,000 | 67,866,000 |
| Securities held to maturity | 16,733,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,178,000 | 285,787,000 | 287,643,000 | 297,940,000 |
| Interest-bearing deposits | 251,218,000 | 261,557,000 | 266,204,000 | 275,270,000 |
| Noninterest-bearing deposits | 22,960,000 | 24,230,000 | 21,439,000 | 22,670,000 |
| Equity capital | 39,656,000 | 40,556,000 | 41,637,000 | 42,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,586,000 | 9,120,000 | 13,648,000 | 18,269,000 |
| Interest expense | 2,062,000 | 4,070,000 | 5,925,000 | 7,671,000 |
| Net interest income | 2,524,000 | 5,050,000 | 7,723,000 | 10,598,000 |
| Noninterest income | 603,000 | 1,186,000 | 1,686,000 | 2,261,000 |
| Noninterest expense | 2,029,000 | 4,219,000 | 6,218,000 | 8,211,000 |
| Provision for loan losses | 189,000 | 338,000 | 742,000 | 871,000 |
| Pretax income | 884,000 | 1,689,000 | 1,993,000 | 3,322,000 |
| Income tax | 284,000 | 534,000 | 539,000 | 1,015,000 |
| Net income | 600,000 | 1,155,000 | 1,454,000 | 2,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,787,000 | 30,383,000 | 30,748,000 | 31,642,000 |
| Total capital | 32,387,000 | 33,055,000 | 33,756,000 | 34,723,000 |
| Risk-weighted assets | 226,608,000 | 231,595,000 | 239,577,000 | 246,324,000 |