Call reports 2025
STATE BANK & TRUST — 2025
What STATE BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 385,482,000 | 369,029,000 | 382,392,000 | 396,368,000 |
| Total loans | 204,452,000 | 215,854,000 | 235,678,000 | 250,400,000 |
| Allowance for loan losses | 2,143,000 | 2,394,000 | 2,655,000 | 2,606,000 |
| Securities available for sale | 147,918,000 | 116,186,000 | 112,579,000 | 112,611,000 |
| Securities held to maturity | 6,000 | 5,000 | 5,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,418,000 | 334,903,000 | 342,531,000 | 346,561,000 |
| Interest-bearing deposits | 284,023,000 | 293,107,000 | 300,955,000 | 302,071,000 |
| Noninterest-bearing deposits | 40,395,000 | 41,796,000 | 41,576,000 | 44,490,000 |
| Equity capital | 16,243,000 | 17,326,000 | 20,166,000 | 21,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,078,000 | 10,325,000 | 15,804,000 | 21,329,000 |
| Interest expense | 2,716,000 | 5,421,000 | 8,007,000 | 10,609,000 |
| Net interest income | 2,362,000 | 4,904,000 | 7,797,000 | 10,720,000 |
| Noninterest income | 281,000 | 2,564,000 | 2,867,000 | 3,214,000 |
| Noninterest expense | 1,913,000 | 4,051,000 | 6,335,000 | 8,519,000 |
| Provision for loan losses | 80,000 | 330,000 | 630,000 | 1,260,000 |
| Pretax income | 640,000 | 2,244,000 | 2,294,000 | 2,765,000 |
| Income tax | 30,000 | 120,000 | 98,000 | 110,000 |
| Net income | 610,000 | 2,124,000 | 2,196,000 | 2,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,094,000 | 37,296,000 | 36,680,000 | 36,902,000 |