Call reports 2014
STANDARD BANK — 2014
What STANDARD BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 433,807,000 | 436,664,000 | 443,832,000 | 445,275,000 |
| Total loans | 294,556,000 | 305,934,000 | 316,085,000 | 326,490,000 |
| Allowance for loan losses | 4,263,000 | 4,204,000 | 3,980,000 | 3,887,000 |
| Securities available for sale | 95,375,000 | 93,668,000 | 89,244,000 | 82,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,670,000 | 323,532,000 | 320,795,000 | 311,212,000 |
| Interest-bearing deposits | 300,890,000 | 310,926,000 | 304,788,000 | 296,888,000 |
| Noninterest-bearing deposits | 24,780,000 | 12,606,000 | 16,007,000 | 14,324,000 |
| Equity capital | 70,704,000 | 72,048,000 | 70,953,000 | 71,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,775,000 | 7,595,000 | 11,492,000 | 15,445,000 |
| Interest expense | 878,000 | 1,725,000 | 2,589,000 | 3,382,000 |
| Net interest income | 2,897,000 | 5,870,000 | 8,903,000 | 12,063,000 |
| Noninterest income | 663,000 | 1,404,000 | 2,123,000 | 2,819,000 |
| Noninterest expense | 2,473,000 | 4,848,000 | 7,295,000 | 9,811,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 1,084,000 | 2,420,000 | 3,748,000 | 5,138,000 |
| Income tax | 268,000 | 676,000 | 1,078,000 | 1,468,000 |
| Net income | 816,000 | 1,744,000 | 2,670,000 | 3,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,234,000 | 62,213,000 | 61,180,000 | 61,228,000 |
| Total capital | 64,666,000 | 65,732,000 | 64,757,000 | 64,878,000 |
| Risk-weighted assets | 273,740,000 | 280,808,000 | 285,767,000 | 291,755,000 |