Call reports 2016
STATE BANK & TRUST COMPANY — 2016
What STATE BANK & 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 | 128,668,000 | 127,529,000 | 127,860,000 | 122,259,000 |
| Total loans | 97,493,000 | 98,128,000 | 97,174,000 | 91,811,000 |
| Allowance for loan losses | 1,217,000 | 1,276,000 | 1,352,000 | 1,402,000 |
| Securities available for sale | 16,298,000 | 16,307,000 | 13,185,000 | 12,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,919,000 | 112,944,000 | 112,966,000 | 109,193,000 |
| Interest-bearing deposits | 85,454,000 | 83,898,000 | 82,705,000 | 80,658,000 |
| Noninterest-bearing deposits | 29,465,000 | 29,046,000 | 30,261,000 | 28,535,000 |
| Equity capital | 13,392,000 | 14,149,000 | 14,351,000 | 12,704,000 |
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 | 1,305,000 | 2,597,000 | 3,865,000 | 5,124,000 |
| Interest expense | 123,000 | 248,000 | 372,000 | 494,000 |
| Net interest income | 1,182,000 | 2,349,000 | 3,493,000 | 4,630,000 |
| Noninterest income | 116,000 | 448,000 | 569,000 | 687,000 |
| Noninterest expense | 899,000 | 1,857,000 | 2,753,000 | 3,703,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 1,600,000 |
| Pretax income | 341,000 | 808,000 | 1,194,000 | 124,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 341,000 | 808,000 | 1,194,000 | 124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,252,000 | 13,718,000 | 14,105,000 | 12,915,000 |
| Total capital | 14,469,000 | 14,994,000 | 15,397,000 | 14,131,000 |
| Risk-weighted assets | 104,902,000 | 105,232,000 | 103,318,000 | 97,097,000 |
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