Call reports 2015
STATE BANK & TRUST OF KENMARE — 2015
What STATE BANK & TRUST OF KENMARE 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 | 124,923,000 | 122,277,000 | 121,687,000 | 120,045,000 |
| Total loans | 76,813,000 | 79,518,000 | 80,495,000 | 80,671,000 |
| Allowance for loan losses | 474,000 | 478,000 | 481,000 | 213,000 |
| Securities available for sale | 29,286,000 | 30,398,000 | 33,073,000 | 32,013,000 |
| Securities held to maturity | 552,000 | 552,000 | 552,000 | 532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,250,000 | 107,073,000 | 106,282,000 | 101,622,000 |
| Interest-bearing deposits | 88,954,000 | 84,359,000 | 83,157,000 | 80,723,000 |
| Noninterest-bearing deposits | 23,296,000 | 22,714,000 | 23,125,000 | 20,900,000 |
| Equity capital | 11,205,000 | 11,155,000 | 11,386,000 | 11,233,000 |
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 | 997,000 | 1,989,000 | 3,021,000 | 4,074,000 |
| Interest expense | 91,000 | 171,000 | 260,000 | 342,000 |
| Net interest income | 906,000 | 1,818,000 | 2,761,000 | 3,732,000 |
| Noninterest income | 44,000 | 94,000 | 133,000 | 176,000 |
| Noninterest expense | 517,000 | 1,021,000 | 1,541,000 | 2,206,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 432,000 | 890,000 | 1,352,000 | 1,601,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 432,000 | 890,000 | 1,352,000 | 1,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,121,000 | 11,145,000 | 11,307,000 | 11,242,000 |
| Total capital | 11,595,000 | 11,623,000 | 11,788,000 | 11,455,000 |
| Risk-weighted assets | 83,040,000 | 84,106,000 | 87,363,000 | 92,110,000 |