Call reports 2015
STATE BANK & TRUST COMPANY — 2015
What STATE BANK & 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 | 137,916,000 | 135,566,000 | 140,210,000 | 135,878,000 |
| Total loans | 94,486,000 | 97,086,000 | 98,438,000 | 96,719,000 |
| Allowance for loan losses | 948,000 | 1,023,000 | 1,094,000 | 1,174,000 |
| Securities available for sale | 25,285,000 | 24,356,000 | 24,304,000 | 22,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,507,000 | 123,284,000 | 127,304,000 | 122,688,000 |
| Interest-bearing deposits | 91,100,000 | 89,366,000 | 94,926,000 | 92,642,000 |
| Noninterest-bearing deposits | 34,407,000 | 33,918,000 | 32,378,000 | 30,046,000 |
| Equity capital | 12,117,000 | 11,834,000 | 12,325,000 | 12,896,000 |
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 | 1,471,000 | 2,935,000 | 4,447,000 | 5,816,000 |
| Interest expense | 129,000 | 254,000 | 387,000 | 520,000 |
| Net interest income | 1,342,000 | 2,681,000 | 4,060,000 | 5,296,000 |
| Noninterest income | 150,000 | 295,000 | 422,000 | 542,000 |
| Noninterest expense | 994,000 | 1,980,000 | 3,062,000 | 4,089,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 1,460,000 |
| Pretax income | 423,000 | 847,000 | 1,196,000 | 319,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 423,000 | 847,000 | 1,196,000 | 319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,016,000 | 12,098,000 | 12,288,000 | 12,911,000 |
| Total capital | 12,964,000 | 13,121,000 | 13,382,000 | 14,085,000 |
| Risk-weighted assets | 101,299,000 | 103,627,000 | 108,124,000 | 109,205,000 |