Call reports 2012
STANDARD BANK — 2012
What STANDARD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 448,727,000 | 442,135,000 | 442,833,000 | 434,408,000 |
| Total loans | 297,342,000 | 297,085,000 | 296,492,000 | 295,300,000 |
| Allowance for loan losses | 4,268,000 | 4,337,000 | 4,474,000 | 4,143,000 |
| Securities available for sale | 107,143,000 | 108,990,000 | 102,125,000 | 100,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,480,000 | 326,896,000 | 331,207,000 | 324,852,000 |
| Interest-bearing deposits | 298,791,000 | 296,335,000 | 295,820,000 | 294,630,000 |
| Noninterest-bearing deposits | 32,689,000 | 30,561,000 | 35,387,000 | 30,222,000 |
| Equity capital | 65,338,000 | 66,600,000 | 67,367,000 | 68,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,388,000 | 8,701,000 | 12,921,000 | 16,995,000 |
| Interest expense | 1,210,000 | 2,403,000 | 3,545,000 | 4,667,000 |
| Net interest income | 3,178,000 | 6,298,000 | 9,376,000 | 12,328,000 |
| Noninterest income | 581,000 | 1,188,000 | 1,773,000 | 2,543,000 |
| Noninterest expense | 2,411,000 | 4,821,000 | 7,264,000 | 9,613,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,125,000 |
| Pretax income | 1,048,000 | 2,065,000 | 2,985,000 | 4,133,000 |
| Income tax | 269,000 | 554,000 | 870,000 | 1,166,000 |
| Net income | 779,000 | 1,511,000 | 2,115,000 | 2,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,659,000 | 55,432,000 | 56,078,000 | 56,974,000 |
| Total capital | 58,029,000 | 58,862,000 | 59,544,000 | 60,500,000 |
| Risk-weighted assets | 268,070,000 | 272,684,000 | 275,144,000 | 280,635,000 |