Call reports 2015
STATE BANK — 2015
What STATE BANK 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 | 152,308,000 | 149,502,000 | 146,620,000 | 147,868,000 |
| Total loans | 121,791,000 | 132,783,000 | 131,706,000 | 134,832,000 |
| Allowance for loan losses | 1,754,000 | 1,806,000 | 1,867,000 | 1,932,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,186,000 | 6,347,000 | 4,844,000 | 5,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,797,000 | 131,475,000 | 128,031,000 | 128,436,000 |
| Interest-bearing deposits | 102,379,000 | 98,811,000 | 96,332,000 | 90,961,000 |
| Noninterest-bearing deposits | 32,418,000 | 32,664,000 | 31,699,000 | 37,475,000 |
| Equity capital | 17,195,000 | 17,706,000 | 18,244,000 | 18,070,000 |
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 | 1,622,000 | 3,275,000 | 5,010,000 | 6,747,000 |
| Interest expense | 120,000 | 243,000 | 363,000 | 480,000 |
| Net interest income | 1,502,000 | 3,032,000 | 4,647,000 | 6,267,000 |
| Noninterest income | 99,000 | 184,000 | 319,000 | 449,000 |
| Noninterest expense | 677,000 | 1,367,000 | 2,089,000 | 3,152,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 864,000 | 1,729,000 | 2,697,000 | 3,324,000 |
| Income tax | 37,000 | 75,000 | 118,000 | 145,000 |
| Net income | 827,000 | 1,654,000 | 2,579,000 | 3,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,195,000 | 17,706,000 | 18,244,000 | 18,070,000 |
| Total capital | 18,782,000 | 19,511,000 | 20,027,000 | 19,904,000 |
| Risk-weighted assets | 126,823,000 | 144,447,000 | 142,585,000 | 146,638,000 |