Call reports 2015
STANDARD BANK — 2015
What STANDARD BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 451,509,000 | 460,075,000 | 467,500,000 | 466,245,000 |
| Total loans | 332,843,000 | 341,114,000 | 351,659,000 | 357,663,000 |
| Allowance for loan losses | 3,838,000 | 3,801,000 | 3,945,000 | 3,877,000 |
| Securities available for sale | 80,158,000 | 80,738,000 | 69,520,000 | 66,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,658,000 | 327,731,000 | 332,940,000 | 327,909,000 |
| Interest-bearing deposits | 305,779,000 | 310,792,000 | 308,361,000 | 307,545,000 |
| Noninterest-bearing deposits | 15,879,000 | 16,939,000 | 24,579,000 | 20,364,000 |
| Equity capital | 71,187,000 | 71,586,000 | 71,214,000 | 72,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,996,000 | 7,931,000 | 11,934,000 | 15,974,000 |
| Interest expense | 779,000 | 1,607,000 | 2,448,000 | 3,280,000 |
| Net interest income | 3,217,000 | 6,324,000 | 9,486,000 | 12,694,000 |
| Noninterest income | 576,000 | 1,249,000 | 1,938,000 | 2,591,000 |
| Noninterest expense | 2,482,000 | 4,950,000 | 7,444,000 | 9,928,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 1,308,000 | 2,617,000 | 4,142,000 | 5,516,000 |
| Income tax | 409,000 | 775,000 | 1,264,000 | 1,683,000 |
| Net income | 899,000 | 1,842,000 | 2,878,000 | 3,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,232,000 | 62,192,000 | 62,245,000 | 63,205,000 |
| Total capital | 64,791,000 | 65,713,000 | 65,753,000 | 66,751,000 |
| Risk-weighted assets | 284,425,000 | 281,415,000 | 280,235,000 | 283,339,000 |