Call reports 2016
STATE BANK & TRUST — 2016
What STATE BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 228,480,000 | 229,459,000 | 230,777,000 | 227,315,000 |
| Total loans | 76,556,000 | 76,531,000 | 75,280,000 | 73,024,000 |
| Allowance for loan losses | 1,322,000 | 1,388,000 | 1,519,000 | 1,357,000 |
| Securities available for sale | 114,174,000 | 123,235,000 | 130,415,000 | 132,773,000 |
| Securities held to maturity | 1,352,000 | 836,000 | 825,000 | 221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,997,000 | 198,433,000 | 200,437,000 | 201,189,000 |
| Interest-bearing deposits | 173,197,000 | 174,714,000 | 176,043,000 | 174,984,000 |
| Noninterest-bearing deposits | 25,800,000 | 23,719,000 | 24,394,000 | 26,205,000 |
| Equity capital | 28,304,000 | 29,657,000 | 29,410,000 | 25,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,118,000 | 4,268,000 | 6,414,000 | 8,497,000 |
| Interest expense | 705,000 | 1,413,000 | 2,135,000 | 2,850,000 |
| Net interest income | 1,413,000 | 2,855,000 | 4,279,000 | 5,647,000 |
| Noninterest income | 709,000 | 808,000 | 1,370,000 | 1,480,000 |
| Noninterest expense | 1,079,000 | 2,238,000 | 3,451,000 | 4,499,000 |
| Provision for loan losses | 375,000 | 465,000 | 515,000 | 515,000 |
| Pretax income | 668,000 | 1,214,000 | 1,937,000 | 2,397,000 |
| Income tax | 33,000 | 60,000 | 102,000 | 143,000 |
| Net income | 635,000 | 1,154,000 | 1,835,000 | 2,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,398,000 | 27,487,000 | 27,771,000 | 28,126,000 |
| Total capital | 28,720,000 | 28,827,000 | 29,053,000 | 29,370,000 |
| Risk-weighted assets | 107,932,000 | 107,145,000 | 102,322,000 | 99,375,000 |