Call reports 2020
STATE BANK & TRUST COMPANY — 2020
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 116,722,000 | 126,094,000 | 122,399,000 | 124,375,000 |
| Total loans | 81,889,000 | 79,619,000 | 79,741,000 | 78,622,000 |
| Allowance for loan losses | 1,323,000 | 1,376,000 | 1,238,000 | 1,276,000 |
| Securities available for sale | 16,401,000 | 21,183,000 | 27,651,000 | 25,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,902,000 | 110,562,000 | 106,668,000 | 109,202,000 |
| Interest-bearing deposits | 74,774,000 | 76,305,000 | 74,369,000 | 76,074,000 |
| Noninterest-bearing deposits | 27,128,000 | 34,257,000 | 32,299,000 | 33,128,000 |
| Equity capital | 14,393,000 | 15,068,000 | 15,204,000 | 14,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,241,000 | 2,575,000 | 3,722,000 | 4,845,000 |
| Interest expense | 179,000 | 337,000 | 470,000 | 591,000 |
| Net interest income | 1,062,000 | 2,238,000 | 3,252,000 | 4,254,000 |
| Noninterest income | 102,000 | 181,000 | 281,000 | 387,000 |
| Noninterest expense | 938,000 | 1,957,000 | 2,857,000 | 3,794,000 |
| Provision for loan losses | 53,000 | 105,000 | 143,000 | 430,000 |
| Pretax income | 173,000 | 357,000 | 552,000 | 436,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 173,000 | 357,000 | 552,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,374,000 | 14,558,000 | 14,753,000 | 14,237,000 |
| Total capital | 15,414,000 | 15,583,000 | 15,795,000 | 15,250,000 |
| Risk-weighted assets | 82,938,000 | 81,724,000 | 83,225,000 | 80,823,000 |
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