Call reports 2020
STATE BANK & TRUST OF KENMARE — 2020
What STATE BANK & TRUST OF KENMARE 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 | 134,213,000 | 137,791,000 | 138,620,000 | 144,655,000 |
| Total loans | 74,010,000 | 76,897,000 | 75,439,000 | 71,217,000 |
| Allowance for loan losses | 634,000 | 689,000 | 662,000 | 870,000 |
| Securities available for sale | 39,523,000 | 44,588,000 | 47,926,000 | 52,234,000 |
| Securities held to maturity | 60,000 | 60,000 | 60,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,644,000 | 118,788,000 | 119,338,000 | 125,252,000 |
| Interest-bearing deposits | 100,634,000 | 102,242,000 | 102,369,000 | 106,082,000 |
| Noninterest-bearing deposits | 16,010,000 | 16,546,000 | 16,969,000 | 19,170,000 |
| Equity capital | 13,726,000 | 15,294,000 | 15,595,000 | 15,756,000 |
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 | 1,223,000 | 2,338,000 | 3,488,000 | 4,571,000 |
| Interest expense | 266,000 | 624,000 | 873,000 | 1,104,000 |
| Net interest income | 957,000 | 1,714,000 | 2,615,000 | 3,467,000 |
| Noninterest income | 34,000 | 166,000 | 194,000 | 314,000 |
| Noninterest expense | 680,000 | 1,344,000 | 1,994,000 | 2,943,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 0 |
| Pretax income | 311,000 | 508,000 | 788,000 | 864,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 311,000 | 508,000 | 788,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,057,000 | 13,113,000 | 13,353,000 | 13,398,000 |
| Total capital | 13,691,000 | 13,802,000 | 14,015,000 | 14,268,000 |
| Risk-weighted assets | 84,156,000 | 84,771,000 | 86,191,000 | 83,976,000 |