Call reports 2013
STATE BANK & TRUST COMPANY — 2013
What STATE BANK & 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 | 117,382,000 | 116,169,000 | 119,521,000 | 117,246,000 |
| Total loans | 75,401,000 | 77,488,000 | 75,733,000 | 75,991,000 |
| Allowance for loan losses | 775,000 | 857,000 | 763,000 | 770,000 |
| Securities available for sale | 28,507,000 | 25,617,000 | 31,434,000 | 30,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,512,000 | 106,433,000 | 109,399,000 | 107,618,000 |
| Interest-bearing deposits | 76,502,000 | 74,182,000 | 76,753,000 | 75,171,000 |
| Noninterest-bearing deposits | 30,010,000 | 32,251,000 | 32,646,000 | 32,447,000 |
| Equity capital | 10,619,000 | 9,416,000 | 9,725,000 | 9,478,000 |
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 | 1,297,000 | 2,613,000 | 3,944,000 | 5,267,000 |
| Interest expense | 121,000 | 240,000 | 357,000 | 470,000 |
| Net interest income | 1,176,000 | 2,373,000 | 3,587,000 | 4,797,000 |
| Noninterest income | 125,000 | 258,000 | 399,000 | 519,000 |
| Noninterest expense | 887,000 | 1,701,000 | 2,630,000 | 3,532,000 |
| Provision for loan losses | 60,000 | 145,000 | 175,000 | 205,000 |
| Pretax income | 391,000 | 878,000 | 1,274,000 | 1,687,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 391,000 | 878,000 | 1,274,000 | 1,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,451,000 | 10,504,000 | 10,715,000 | 10,867,000 |
| Total capital | 11,226,000 | 11,361,000 | 11,478,000 | 11,637,000 |
| Risk-weighted assets | 76,848,000 | 79,362,000 | 79,249,000 | 78,922,000 |
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