Call reports 2015
STATE BANK AND TRUST COMPANY — 2015
What STATE BANK AND TRUST COMPANY 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 | 2,819,449,000 | 2,760,348,000 | 3,387,653,000 | 3,455,981,000 |
| Total loans | 1,711,309,000 | 1,755,444,000 | 2,199,254,000 | 2,215,150,000 |
| Allowance for loan losses | 29,680,000 | 29,046,000 | 28,930,000 | 29,075,000 |
| Securities available for sale | 700,558,000 | 704,823,000 | 831,548,000 | 875,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,410,689,000 | 2,362,860,000 | 2,845,661,000 | 2,912,625,000 |
| Interest-bearing deposits | 1,750,754,000 | 1,643,488,000 | 1,972,042,000 | 2,035,746,000 |
| Noninterest-bearing deposits | 659,935,000 | 719,372,000 | 873,619,000 | 876,879,000 |
| Equity capital | 386,498,000 | 382,063,000 | 478,803,000 | 470,615,000 |
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 | 37,942,000 | 68,696,000 | 118,999,000 | 161,829,000 |
| Interest expense | 1,757,000 | 3,495,000 | 5,928,000 | 7,922,000 |
| Net interest income | 36,185,000 | 65,201,000 | 113,071,000 | 153,907,000 |
| Noninterest income | 4,789,000 | -3,219,000 | 14,162,000 | 23,357,000 |
| Noninterest expense | 23,076,000 | 47,532,000 | 92,017,000 | 120,176,000 |
| Provision for loan losses | 3,392,000 | 3,743,000 | 4,037,000 | 4,531,000 |
| Pretax income | 14,886,000 | 11,028,000 | 31,517,000 | 52,911,000 |
| Income tax | 5,474,000 | 3,711,000 | 11,049,000 | 18,862,000 |
| Net income | 9,412,000 | 7,317,000 | 20,468,000 | 34,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 368,181,000 | 368,332,000 | 437,915,000 | 427,526,000 |
| Total capital | 394,033,000 | 395,175,000 | 466,845,000 | 456,601,000 |
| Risk-weighted assets | 2,064,317,000 | 2,145,217,000 | 2,708,562,000 | 2,772,725,000 |