Call reports 2025
STATE BANK & TRUST COMPANY — 2025
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 149,674,000 | 150,153,000 | 153,119,000 | 151,560,000 |
| Total loans | 92,491,000 | 97,325,000 | 93,964,000 | 98,743,000 |
| Allowance for loan losses | 1,474,000 | 1,470,000 | 1,463,000 | 1,452,000 |
| Securities available for sale | 29,602,000 | 28,901,000 | 28,609,000 | 28,126,000 |
| Securities held to maturity | 12,808,000 | 12,590,000 | 12,357,000 | 12,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,058,000 | 132,172,000 | 134,504,000 | 132,552,000 |
| Interest-bearing deposits | 94,906,000 | 95,229,000 | 95,968,000 | 93,469,000 |
| Noninterest-bearing deposits | 37,152,000 | 36,943,000 | 38,536,000 | 39,083,000 |
| Equity capital | 11,243,000 | 11,757,000 | 12,506,000 | 13,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,922,000 | 3,924,000 | 5,990,000 | 8,084,000 |
| Interest expense | 590,000 | 1,192,000 | 1,809,000 | 2,428,000 |
| Net interest income | 1,332,000 | 2,732,000 | 4,181,000 | 5,656,000 |
| Noninterest income | 93,000 | 182,000 | 323,000 | 483,000 |
| Noninterest expense | 1,104,000 | 2,187,000 | 3,381,000 | 4,545,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 321,000 | 727,000 | 1,123,000 | 1,594,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 321,000 | 727,000 | 1,123,000 | 1,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,512,000 | 15,858,000 | 16,054,000 | 16,325,000 |
| Total capital | 16,750,000 | 17,163,000 | 17,305,000 | 17,648,000 |
| Risk-weighted assets | 98,867,000 | 104,235,000 | 99,916,000 | 105,718,000 |