Call reports 2014
STATE BANK & TRUST — 2014
What STATE BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 208,075,000 | 217,108,000 | 219,549,000 | 220,172,000 |
| Total loans | 64,777,000 | 70,875,000 | 76,265,000 | 78,332,000 |
| Allowance for loan losses | 879,000 | 966,000 | 990,000 | 1,158,000 |
| Securities available for sale | 103,981,000 | 110,687,000 | 114,778,000 | 113,382,000 |
| Securities held to maturity | 1,731,000 | 1,440,000 | 1,421,000 | 1,203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,269,000 | 189,861,000 | 191,508,000 | 191,460,000 |
| Interest-bearing deposits | 158,816,000 | 167,658,000 | 167,091,000 | 167,585,000 |
| Noninterest-bearing deposits | 23,453,000 | 22,203,000 | 24,417,000 | 23,875,000 |
| Equity capital | 24,467,000 | 25,811,000 | 26,513,000 | 27,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,080,000 | 4,267,000 | 6,568,000 | 8,907,000 |
| Interest expense | 630,000 | 1,269,000 | 1,963,000 | 2,662,000 |
| Net interest income | 1,450,000 | 2,998,000 | 4,605,000 | 6,245,000 |
| Noninterest income | 81,000 | 288,000 | 490,000 | 546,000 |
| Noninterest expense | 1,036,000 | 2,156,000 | 3,220,000 | 4,282,000 |
| Provision for loan losses | 50,000 | 172,000 | 219,000 | 369,000 |
| Pretax income | 509,000 | 1,022,000 | 1,778,000 | 2,536,000 |
| Income tax | 23,000 | 48,000 | 89,000 | 124,000 |
| Net income | 486,000 | 974,000 | 1,689,000 | 2,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,740,000 | 25,726,000 | 26,013,000 | 26,472,000 |
| Total capital | 26,619,000 | 26,692,000 | 27,003,000 | 27,630,000 |
| Risk-weighted assets | 97,677,000 | 103,842,000 | 108,174,000 | 109,225,000 |