Call reports 2016
STATE BANK AND TRUST COMPANY — 2016
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 3,519,401,000 | 3,569,475,000 | 3,600,606,000 | 4,206,048,000 |
| Total loans | 2,313,752,000 | 2,416,398,000 | 2,410,198,000 | 2,866,741,000 |
| Allowance for loan losses | 30,345,000 | 27,599,000 | 27,177,000 | 26,598,000 |
| Securities available for sale | 848,030,000 | 823,434,000 | 821,109,000 | 845,631,000 |
| Securities held to maturity | 50,263,000 | 52,775,000 | 56,789,000 | 56,804,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,955,210,000 | 2,939,155,000 | 3,004,845,000 | 3,510,294,000 |
| Interest-bearing deposits | 2,014,087,000 | 2,055,817,000 | 2,068,705,000 | 2,446,747,000 |
| Noninterest-bearing deposits | 941,123,000 | 883,338,000 | 936,140,000 | 1,063,547,000 |
| Equity capital | 485,193,000 | 484,626,000 | 496,878,000 | 550,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 38,925,000 | 82,943,000 | 123,632,000 | 165,323,000 |
| Interest expense | 2,113,000 | 4,484,000 | 6,988,000 | 9,619,000 |
| Net interest income | 36,812,000 | 78,459,000 | 116,644,000 | 155,704,000 |
| Noninterest income | 9,458,000 | 19,891,000 | 30,546,000 | 41,232,000 |
| Noninterest expense | 28,346,000 | 58,755,000 | 87,847,000 | 120,865,000 |
| Provision for loan losses | -134,000 | -128,000 | -40,000 | 237,000 |
| Pretax income | 18,071,000 | 40,132,000 | 59,830,000 | 76,323,000 |
| Income tax | 6,731,000 | 14,641,000 | 21,605,000 | 27,490,000 |
| Net income | 11,340,000 | 25,491,000 | 38,225,000 | 48,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 437,825,000 | 435,541,000 | 448,372,000 | 463,164,000 |
| Total capital | 468,170,000 | 463,140,000 | 475,549,000 | 489,762,000 |
| Risk-weighted assets | 2,902,441,000 | 3,037,489,000 | 3,056,738,000 | 3,545,229,000 |