Call reports 2013
STANDARD BANK — 2013
What STANDARD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 435,623,000 | 436,914,000 | 435,811,000 | 431,034,000 |
| Total loans | 288,046,000 | 294,075,000 | 297,578,000 | 294,731,000 |
| Allowance for loan losses | 4,074,000 | 3,994,000 | 3,938,000 | 4,268,000 |
| Securities available for sale | 103,942,000 | 97,317,000 | 92,897,000 | 98,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,087,000 | 326,332,000 | 327,503,000 | 325,039,000 |
| Interest-bearing deposits | 293,706,000 | 303,722,000 | 299,043,000 | 301,824,000 |
| Noninterest-bearing deposits | 32,381,000 | 22,610,000 | 28,460,000 | 23,215,000 |
| Equity capital | 68,833,000 | 68,468,000 | 69,015,000 | 69,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,993,000 | 7,836,000 | 11,677,000 | 15,521,000 |
| Interest expense | 1,040,000 | 2,026,000 | 2,977,000 | 3,901,000 |
| Net interest income | 2,953,000 | 5,810,000 | 8,700,000 | 11,620,000 |
| Noninterest income | 697,000 | 1,406,000 | 1,996,000 | 2,668,000 |
| Noninterest expense | 2,471,000 | 4,966,000 | 7,366,000 | 9,742,000 |
| Provision for loan losses | 154,000 | 157,000 | 160,000 | 163,000 |
| Pretax income | 1,025,000 | 2,114,000 | 3,191,000 | 4,404,000 |
| Income tax | 221,000 | 507,000 | 806,000 | 1,151,000 |
| Net income | 804,000 | 1,607,000 | 2,385,000 | 3,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,820,000 | 58,654,000 | 59,474,000 | 60,372,000 |
| Total capital | 61,139,000 | 62,011,000 | 62,878,000 | 63,768,000 |
| Risk-weighted assets | 263,808,000 | 267,936,000 | 271,808,000 | 270,779,000 |