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 | 409,311,000 | 415,611,000 | 433,786,000 | 444,444,000 |
| Total loans | 327,310,000 | 343,791,000 | 358,117,000 | 381,559,000 |
| Allowance for loan losses | 4,453,000 | 4,333,000 | 4,439,000 | 3,505,000 |
| Securities available for sale | 27,299,000 | 25,332,000 | 24,546,000 | 23,138,000 |
| Securities held to maturity | 1,655,000 | 1,902,000 | 1,002,000 | 2,176,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,344,000 | 352,627,000 | 369,784,000 | 377,931,000 |
| Interest-bearing deposits | 246,041,000 | 240,128,000 | 264,142,000 | 267,869,000 |
| Noninterest-bearing deposits | 100,303,000 | 112,499,000 | 105,642,000 | 110,062,000 |
| Equity capital | 38,729,000 | 39,829,000 | 40,921,000 | 42,742,000 |
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 | 3,933,000 | 7,939,000 | 12,170,000 | 16,653,000 |
| Interest expense | 416,000 | 836,000 | 1,264,000 | 1,710,000 |
| Net interest income | 3,517,000 | 7,103,000 | 10,906,000 | 14,943,000 |
| Noninterest income | 1,657,000 | 3,426,000 | 4,949,000 | 6,409,000 |
| Noninterest expense | 3,713,000 | 7,413,000 | 11,072,000 | 14,741,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,000,000 |
| Pretax income | 1,461,000 | 3,116,000 | 4,783,000 | 7,611,000 |
| Income tax | 512,000 | 1,075,000 | 1,642,000 | 2,596,000 |
| Net income | 949,000 | 2,041,000 | 3,141,000 | 5,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,456,000 | 38,567,000 | 39,669,000 | 42,673,000 |
| Total capital | 41,818,000 | 42,909,000 | 44,115,000 | 46,185,000 |
| Risk-weighted assets | 348,211,000 | 356,205,000 | 370,144,000 | 387,791,000 |