Call reports 2010
STANDARD BANK — 2010
What STANDARD BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 403,022,000 | 395,343,000 | 434,566,000 | 431,059,000 |
| Total loans | 280,599,000 | 283,028,000 | 290,515,000 | 294,435,000 |
| Allowance for loan losses | 3,451,000 | 3,763,000 | 3,989,000 | 4,180,000 |
| Securities available for sale | 69,652,000 | 65,002,000 | 77,155,000 | 99,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,297,000 | 312,471,000 | 316,337,000 | 312,270,000 |
| Interest-bearing deposits | 281,566,000 | 289,414,000 | 290,449,000 | 286,225,000 |
| Noninterest-bearing deposits | 29,731,000 | 23,057,000 | 25,888,000 | 26,045,000 |
| Equity capital | 43,013,000 | 43,922,000 | 44,763,000 | 60,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,560,000 | 9,082,000 | 13,627,000 | 18,297,000 |
| Interest expense | 1,621,000 | 3,086,000 | 4,485,000 | 5,821,000 |
| Net interest income | 2,939,000 | 5,996,000 | 9,142,000 | 12,476,000 |
| Noninterest income | 509,000 | 1,099,000 | 1,473,000 | 2,037,000 |
| Noninterest expense | 2,151,000 | 4,369,000 | 6,535,000 | 10,193,000 |
| Provision for loan losses | 300,000 | 650,000 | 1,050,000 | 1,400,000 |
| Pretax income | 1,005,000 | 2,084,000 | 3,028,000 | 2,918,000 |
| Income tax | 324,000 | 671,000 | 935,000 | 805,000 |
| Net income | 681,000 | 1,413,000 | 2,093,000 | 2,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,365,000 | 33,128,000 | 33,862,000 | 50,594,000 |
| Total capital | 35,431,000 | 36,183,000 | 37,111,000 | 53,864,000 |
| Risk-weighted assets | 244,693,000 | 243,684,000 | 258,807,000 | 260,728,000 |