Call reports 2019
STATE BANK & TRUST COMPANY — 2019
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 121,382,000 | 118,109,000 | 118,206,000 | 114,977,000 |
| Total loans | 85,170,000 | 83,359,000 | 83,160,000 | 80,476,000 |
| Allowance for loan losses | 1,485,000 | 1,469,000 | 1,424,000 | 1,274,000 |
| Securities available for sale | 14,509,000 | 15,338,000 | 15,061,000 | 14,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,230,000 | 103,563,000 | 103,461,000 | 100,228,000 |
| Interest-bearing deposits | 80,185,000 | 78,950,000 | 77,583,000 | 76,355,000 |
| Noninterest-bearing deposits | 27,045,000 | 24,613,000 | 25,878,000 | 23,873,000 |
| Equity capital | 13,743,000 | 14,115,000 | 14,242,000 | 14,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,263,000 | 2,578,000 | 3,857,000 | 5,106,000 |
| Interest expense | 181,000 | 379,000 | 580,000 | 768,000 |
| Net interest income | 1,082,000 | 2,199,000 | 3,277,000 | 4,338,000 |
| Noninterest income | 93,000 | 214,000 | 330,000 | 443,000 |
| Noninterest expense | 884,000 | 1,845,000 | 2,877,000 | 3,777,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 175,000 |
| Pretax income | 216,000 | 418,000 | 563,000 | 837,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 216,000 | 418,000 | 563,000 | 837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,830,000 | 14,032,000 | 14,047,000 | 14,201,000 |
| Total capital | 14,926,000 | 15,103,000 | 15,092,000 | 15,228,000 |
| Risk-weighted assets | 87,294,000 | 85,311,000 | 83,246,000 | 81,914,000 |