Call reports 2019
STANDARD BANK — 2019
What STANDARD BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 989,293,000 | 989,926,000 | 990,655,000 | 983,562,000 |
| Total loans | 729,230,000 | 738,958,000 | 729,082,000 | 718,335,000 |
| Allowance for loan losses | 4,366,000 | 4,487,000 | 4,739,000 | 4,879,000 |
| Securities available for sale | 154,619,000 | 162,712,000 | 162,613,000 | 161,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 744,070,000 | 736,754,000 | 739,641,000 | 737,276,000 |
| Interest-bearing deposits | 602,796,000 | 598,407,000 | 595,530,000 | 597,336,000 |
| Noninterest-bearing deposits | 141,274,000 | 138,347,000 | 144,111,000 | 139,940,000 |
| Equity capital | 137,628,000 | 139,141,000 | 138,003,000 | 138,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,304,000 | 18,793,000 | 28,349,000 | 37,663,000 |
| Interest expense | 2,163,000 | 4,501,000 | 6,899,000 | 9,262,000 |
| Net interest income | 7,141,000 | 14,292,000 | 21,450,000 | 28,401,000 |
| Noninterest income | 1,139,000 | 2,239,000 | 3,630,000 | 4,910,000 |
| Noninterest expense | 5,440,000 | 10,787,000 | 15,972,000 | 21,484,000 |
| Provision for loan losses | 112,000 | 301,000 | 562,000 | 750,000 |
| Pretax income | 2,745,000 | 5,492,000 | 8,653,000 | 11,169,000 |
| Income tax | 551,000 | 1,165,000 | 1,872,000 | 2,374,000 |
| Net income | 2,194,000 | 4,327,000 | 6,781,000 | 8,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,837,000 | 109,876,000 | 108,624,000 | 109,747,000 |
| Total capital | 114,203,000 | 114,363,000 | 113,363,000 | 114,626,000 |
| Risk-weighted assets | 662,227,000 | 659,815,000 | 653,033,000 | 649,859,000 |