Call reports 2015
STATE BANK, THE — 2015
What STATE BANK, THE 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 | 68,655,000 | 70,597,000 | 71,044,000 | 73,013,000 |
| Total loans | 40,635,000 | 44,564,000 | 44,514,000 | 46,828,000 |
| Allowance for loan losses | 1,036,000 | 1,093,000 | 1,033,000 | 840,000 |
| Securities available for sale | 24,020,000 | 21,998,000 | 20,900,000 | 20,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,170,000 | 59,257,000 | 62,033,000 | 64,068,000 |
| Interest-bearing deposits | 50,345,000 | 49,805,000 | 52,351,000 | 54,729,000 |
| Noninterest-bearing deposits | 8,825,000 | 9,452,000 | 9,682,000 | 9,339,000 |
| Equity capital | 7,910,000 | 7,640,000 | 7,930,000 | 7,878,000 |
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 | 581,000 | 1,182,000 | 1,792,000 | 2,410,000 |
| Interest expense | 53,000 | 108,000 | 165,000 | 225,000 |
| Net interest income | 528,000 | 1,074,000 | 1,627,000 | 2,185,000 |
| Noninterest income | 50,000 | 104,000 | 151,000 | 218,000 |
| Noninterest expense | 404,000 | 749,000 | 1,163,000 | 1,676,000 |
| Provision for loan losses | 0 | 50,000 | 150,000 | 200,000 |
| Pretax income | 178,000 | 383,000 | 469,000 | 532,000 |
| Income tax | 8,000 | 18,000 | 22,000 | 25,000 |
| Net income | 170,000 | 365,000 | 447,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,661,000 | 7,784,000 | 7,824,000 | 7,842,000 |
| Total capital | 8,224,000 | 8,395,000 | 8,428,000 | 8,476,000 |
| Risk-weighted assets | 44,562,000 | 48,435,000 | 47,906,000 | 50,500,000 |