Call reports 2014
STATE BANK AND TRUST COMPANY — 2014
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 2,619,390,000 | 2,585,676,000 | 2,647,454,000 | 2,880,380,000 |
| Total loans | 1,414,744,000 | 1,442,332,000 | 1,506,008,000 | 1,637,703,000 |
| Allowance for loan losses | 36,040,000 | 35,607,000 | 27,231,000 | 28,638,000 |
| Securities available for sale | 454,053,000 | 494,874,000 | 532,447,000 | 640,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,196,778,000 | 2,169,735,000 | 2,233,988,000 | 2,477,289,000 |
| Interest-bearing deposits | 1,669,647,000 | 1,653,779,000 | 1,631,340,000 | 1,814,387,000 |
| Noninterest-bearing deposits | 527,131,000 | 515,956,000 | 602,648,000 | 662,902,000 |
| Equity capital | 384,546,000 | 392,729,000 | 379,036,000 | 377,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 44,339,000 | 79,350,000 | 119,217,000 | 153,635,000 |
| Interest expense | 1,894,000 | 3,740,000 | 5,597,000 | 7,520,000 |
| Net interest income | 42,445,000 | 75,610,000 | 113,620,000 | 146,115,000 |
| Noninterest income | -9,562,000 | -6,928,000 | -8,411,000 | -1,048,000 |
| Noninterest expense | 22,811,000 | 45,194,000 | 68,064,000 | 93,664,000 |
| Provision for loan losses | 3,212,000 | 4,307,000 | -1,100,000 | 6,000 |
| Pretax income | 6,871,000 | 19,204,000 | 38,268,000 | 51,643,000 |
| Income tax | 2,336,000 | 6,779,000 | 13,953,000 | 19,115,000 |
| Net income | 4,535,000 | 12,425,000 | 24,315,000 | 32,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 366,916,000 | 374,966,000 | 362,009,000 | 359,759,000 |
| Total capital | 386,594,000 | 395,046,000 | 383,987,000 | 383,957,000 |
| Risk-weighted assets | 1,557,841,000 | 1,590,838,000 | 1,753,006,000 | 1,931,388,000 |
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