Call reports 2013
STATE BANK AND TRUST COMPANY, THE — 2013
What STATE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 640,078,000 | 630,852,000 | 631,980,000 | 633,326,000 |
| Total loans | 463,979,000 | 474,746,000 | 477,639,000 | 480,669,000 |
| Allowance for loan losses | 6,992,000 | 7,013,000 | 7,120,000 | 6,964,000 |
| Securities available for sale | 98,367,000 | 95,356,000 | 86,596,000 | 89,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 205,000 | 104,000 | 279,000 | 257,000 |
| Total deposits | 534,571,000 | 514,258,000 | 523,956,000 | 524,970,000 |
| Interest-bearing deposits | 452,770,000 | 495,040,000 | 502,361,000 | 503,359,000 |
| Noninterest-bearing deposits | 81,801,000 | 19,218,000 | 21,595,000 | 21,611,000 |
| Equity capital | 71,573,000 | 71,216,000 | 71,955,000 | 72,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,407,000 | 12,767,000 | 18,938,000 | 24,882,000 |
| Interest expense | 698,000 | 1,358,000 | 1,982,000 | 2,582,000 |
| Net interest income | 5,709,000 | 11,409,000 | 16,956,000 | 22,300,000 |
| Noninterest income | 3,240,000 | 6,708,000 | 10,129,000 | 12,875,000 |
| Noninterest expense | 6,132,000 | 12,542,000 | 18,499,000 | 24,099,000 |
| Provision for loan losses | 300,000 | 500,000 | 903,000 | 904,000 |
| Pretax income | 2,537,000 | 5,095,000 | 7,731,000 | 10,220,000 |
| Income tax | 781,000 | 1,568,000 | 2,376,000 | 3,139,000 |
| Net income | 1,756,000 | 3,527,000 | 5,355,000 | 7,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,124,000 | 52,993,000 | 53,903,000 | 54,749,000 |
| Total capital | 57,963,000 | 58,965,000 | 59,942,000 | 60,843,000 |
| Risk-weighted assets | 465,939,000 | 476,643,000 | 481,956,000 | 486,624,000 |