Call reports 2013
STATE BANK AND TRUST COMPANY — 2013
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,642,076,000 | 2,607,528,000 | 2,531,561,000 | 2,604,326,000 |
| Total loans | 1,450,672,000 | 1,457,558,000 | 1,455,816,000 | 1,381,866,000 |
| Allowance for loan losses | 43,828,000 | 33,435,000 | 28,502,000 | 34,065,000 |
| Securities available for sale | 351,565,000 | 370,146,000 | 374,838,000 | 387,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,207,496,000 | 2,184,411,000 | 2,107,300,000 | 2,184,690,000 |
| Interest-bearing deposits | 1,738,473,000 | 1,696,124,000 | 1,629,641,000 | 1,660,188,000 |
| Noninterest-bearing deposits | 469,023,000 | 488,287,000 | 477,659,000 | 524,502,000 |
| Equity capital | 366,880,000 | 366,724,000 | 370,305,000 | 379,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 37,479,000 | 81,173,000 | 127,559,000 | 193,926,000 |
| Interest expense | 1,996,000 | 3,991,000 | 5,972,000 | 7,933,000 |
| Net interest income | 35,483,000 | 77,182,000 | 121,587,000 | 185,993,000 |
| Noninterest income | -13,435,000 | -56,133,000 | -78,892,000 | -102,105,000 |
| Noninterest expense | 46,078,000 | 51,424,000 | 74,537,000 | 96,874,000 |
| Provision for loan losses | -22,215,000 | -29,132,000 | -36,785,000 | -32,675,000 |
| Pretax income | -1,451,000 | -879,000 | 6,024,000 | 20,770,000 |
| Income tax | -504,000 | -290,000 | 1,988,000 | 7,062,000 |
| Net income | -947,000 | -589,000 | 4,036,000 | 13,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 346,732,000 | 347,458,000 | 352,383,000 | 362,219,000 |
| Total capital | 365,095,000 | 367,270,000 | 372,099,000 | 381,229,000 |
| Risk-weighted assets | 1,443,576,000 | 1,571,339,000 | 1,568,483,000 | 1,505,784,000 |