Call reports 2011
STANDARD BANK — 2011
What STANDARD BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 435,573,000 | 436,579,000 | 434,081,000 | 436,783,000 |
| Total loans | 296,204,000 | 294,410,000 | 289,734,000 | 295,127,000 |
| Allowance for loan losses | 4,538,000 | 4,538,000 | 4,521,000 | 4,325,000 |
| Securities available for sale | 99,473,000 | 102,524,000 | 105,286,000 | 102,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,252,000 | 314,841,000 | 321,108,000 | 325,476,000 |
| Interest-bearing deposits | 285,394,000 | 287,386,000 | 290,691,000 | 295,425,000 |
| Noninterest-bearing deposits | 28,858,000 | 27,455,000 | 30,417,000 | 30,051,000 |
| Equity capital | 61,126,000 | 62,810,000 | 64,060,000 | 64,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,654,000 | 9,311,000 | 13,795,000 | 18,248,000 |
| Interest expense | 1,330,000 | 2,627,000 | 3,885,000 | 5,118,000 |
| Net interest income | 3,324,000 | 6,684,000 | 9,910,000 | 13,130,000 |
| Noninterest income | 486,000 | 999,000 | 1,495,000 | 2,005,000 |
| Noninterest expense | 2,276,000 | 4,560,000 | 6,865,000 | 9,218,000 |
| Provision for loan losses | 425,000 | 850,000 | 1,275,000 | 1,575,000 |
| Pretax income | 1,111,000 | 2,273,000 | 3,265,000 | 4,372,000 |
| Income tax | 312,000 | 670,000 | 980,000 | 1,302,000 |
| Net income | 799,000 | 1,603,000 | 2,285,000 | 3,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,431,000 | 52,287,000 | 53,012,000 | 53,838,000 |
| Total capital | 54,710,000 | 55,549,000 | 56,279,000 | 57,136,000 |
| Risk-weighted assets | 261,066,000 | 259,558,000 | 259,390,000 | 262,318,000 |