Call reports 2015
STATE BANK & TRUST — 2015
What STATE BANK & TRUST 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 | 222,782,000 | 222,325,000 | 225,022,000 | 224,015,000 |
| Total loans | 77,845,000 | 82,149,000 | 82,566,000 | 82,278,000 |
| Allowance for loan losses | 1,113,000 | 961,000 | 1,149,000 | 1,225,000 |
| Securities available for sale | 115,585,000 | 111,318,000 | 112,489,000 | 100,228,000 |
| Securities held to maturity | 1,157,000 | 887,000 | 870,000 | 858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,409,000 | 194,528,000 | 195,865,000 | 196,558,000 |
| Interest-bearing deposits | 167,660,000 | 168,462,000 | 172,575,000 | 170,008,000 |
| Noninterest-bearing deposits | 24,749,000 | 26,066,000 | 23,290,000 | 26,550,000 |
| Equity capital | 29,050,000 | 26,497,000 | 27,821,000 | 26,353,000 |
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 | 2,233,000 | 4,433,000 | 6,669,000 | 8,943,000 |
| Interest expense | 684,000 | 1,373,000 | 2,080,000 | 2,798,000 |
| Net interest income | 1,549,000 | 3,060,000 | 4,589,000 | 6,145,000 |
| Noninterest income | 162,000 | 397,000 | 584,000 | 757,000 |
| Noninterest expense | 1,033,000 | 2,122,000 | 3,227,000 | 4,355,000 |
| Provision for loan losses | 0 | 764,000 | 993,000 | 2,393,000 |
| Pretax income | 728,000 | 627,000 | 1,670,000 | 1,502,000 |
| Income tax | 36,000 | 62,000 | 78,000 | 53,000 |
| Net income | 692,000 | 565,000 | 1,592,000 | 1,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,635,000 | 26,109,000 | 27,033,000 | 26,825,000 |
| Total capital | 27,748,000 | 27,070,000 | 28,182,000 | 28,050,000 |
| Risk-weighted assets | 105,562,000 | 111,334,000 | 111,849,000 | 108,803,000 |