Call reports 2013
STATE BANK & TRUST — 2013
What STATE BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 207,133,000 | 202,024,000 | 201,908,000 | 203,153,000 |
| Total loans | 60,528,000 | 61,823,000 | 62,153,000 | 66,790,000 |
| Allowance for loan losses | 852,000 | 848,000 | 954,000 | 886,000 |
| Securities available for sale | 99,125,000 | 101,671,000 | 100,041,000 | 99,412,000 |
| Securities held to maturity | 2,842,000 | 2,546,000 | 2,149,000 | 1,911,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,413,000 | 175,580,000 | 177,192,000 | 178,666,000 |
| Interest-bearing deposits | 152,421,000 | 152,783,000 | 155,198,000 | 157,153,000 |
| Noninterest-bearing deposits | 24,992,000 | 22,797,000 | 21,994,000 | 21,513,000 |
| Equity capital | 28,097,000 | 24,858,000 | 23,081,000 | 23,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,111,000 | 4,299,000 | 6,476,000 | 8,674,000 |
| Interest expense | 640,000 | 1,283,000 | 1,926,000 | 2,577,000 |
| Net interest income | 1,471,000 | 3,016,000 | 4,550,000 | 6,097,000 |
| Noninterest income | 195,000 | 383,000 | 590,000 | 804,000 |
| Noninterest expense | 961,000 | 1,974,000 | 2,956,000 | 3,979,000 |
| Provision for loan losses | 40,000 | 117,000 | 237,000 | 262,000 |
| Pretax income | 671,000 | 1,314,000 | 2,050,000 | 2,763,000 |
| Income tax | 37,000 | 69,000 | 107,000 | 139,000 |
| Net income | 634,000 | 1,245,000 | 1,943,000 | 2,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,990,000 | 25,038,000 | 25,325,000 | 25,738,000 |
| Total capital | 25,842,000 | 25,886,000 | 26,279,000 | 26,624,000 |
| Risk-weighted assets | 88,855,000 | 93,946,000 | 95,400,000 | 98,692,000 |