Call reports 2016
STANDARD BANK — 2016
What STANDARD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 478,388,000 | 482,782,000 | 493,350,000 | 486,420,000 |
| Total loans | 363,387,000 | 371,042,000 | 382,142,000 | 385,403,000 |
| Allowance for loan losses | 3,862,000 | 3,702,000 | 3,809,000 | 3,846,000 |
| Securities available for sale | 62,224,000 | 65,907,000 | 62,511,000 | 59,248,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,577,000 | 353,184,000 | 370,145,000 | 363,678,000 |
| Interest-bearing deposits | 331,853,000 | 335,169,000 | 344,702,000 | 344,078,000 |
| Noninterest-bearing deposits | 17,724,000 | 18,015,000 | 25,443,000 | 19,600,000 |
| Equity capital | 69,100,000 | 70,342,000 | 69,468,000 | 69,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,038,000 | 8,065,000 | 12,163,000 | 16,286,000 |
| Interest expense | 861,000 | 1,733,000 | 2,615,000 | 3,493,000 |
| Net interest income | 3,177,000 | 6,332,000 | 9,548,000 | 12,793,000 |
| Noninterest income | 661,000 | 1,265,000 | 1,887,000 | 2,497,000 |
| Noninterest expense | 2,467,000 | 4,942,000 | 8,095,000 | 10,857,000 |
| Provision for loan losses | 3,000 | -47,000 | 61,000 | 104,000 |
| Pretax income | 1,450,000 | 2,784,000 | 3,361,000 | 4,411,000 |
| Income tax | 455,000 | 840,000 | 944,000 | 1,368,000 |
| Net income | 995,000 | 1,944,000 | 2,417,000 | 3,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,200,000 | 61,149,000 | 60,622,000 | 61,210,000 |
| Total capital | 63,746,000 | 64,806,000 | 64,392,000 | 64,968,000 |
| Risk-weighted assets | 283,367,000 | 291,837,000 | 301,458,000 | 300,525,000 |