Call reports 2015
STATE BANK FINANCIAL — 2015
What STATE BANK FINANCIAL 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 | 329,826,000 | 332,915,000 | 334,286,000 | 348,461,000 |
| Total loans | 172,608,000 | 168,309,000 | 168,551,000 | 160,020,000 |
| Allowance for loan losses | 3,128,000 | 3,079,000 | 3,125,000 | 3,144,000 |
| Securities available for sale | 103,086,000 | 107,169,000 | 108,922,000 | 107,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 5,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,778,000 | 270,540,000 | 270,203,000 | 273,896,000 |
| Interest-bearing deposits | 204,804,000 | 199,502,000 | 208,489,000 | 205,308,000 |
| Noninterest-bearing deposits | 57,974,000 | 71,038,000 | 61,714,000 | 68,588,000 |
| Equity capital | 37,263,000 | 36,322,000 | 37,022,000 | 36,942,000 |
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 | 2,452,000 | 4,865,000 | 7,200,000 | 9,832,000 |
| Interest expense | 196,000 | 377,000 | 559,000 | 733,000 |
| Net interest income | 2,256,000 | 4,488,000 | 6,641,000 | 9,099,000 |
| Noninterest income | 567,000 | 1,160,000 | 1,912,000 | 2,532,000 |
| Noninterest expense | 2,319,000 | 4,651,000 | 6,963,000 | 9,386,000 |
| Provision for loan losses | -48,000 | -48,000 | -48,000 | -548,000 |
| Pretax income | 553,000 | 1,062,000 | 1,670,000 | 2,861,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 34,000 |
| Net income | 547,000 | 1,050,000 | 1,652,000 | 2,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,170,000 | 32,035,000 | 32,387,000 | 32,661,000 |
| Total capital | 34,671,000 | 34,527,000 | 34,929,000 | 35,152,000 |
| Risk-weighted assets | 199,485,000 | 198,765,000 | 202,791,000 | 198,656,000 |