Call reports 2014
STATE BANK AND TRUST COMPANY, THE — 2014
What STATE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 648,020,000 | 664,212,000 | 666,710,000 | 685,686,000 |
| Total loans | 489,088,000 | 514,418,000 | 512,661,000 | 521,504,000 |
| Allowance for loan losses | 6,726,000 | 6,568,000 | 6,713,000 | 6,771,000 |
| Securities available for sale | 93,282,000 | 85,563,000 | 81,125,000 | 85,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 250,000 | 279,000 | 221,000 | 273,000 |
| Total deposits | 539,586,000 | 531,806,000 | 540,320,000 | 564,041,000 |
| Interest-bearing deposits | 525,667,000 | 507,367,000 | 517,397,000 | 536,333,000 |
| Noninterest-bearing deposits | 13,919,000 | 24,439,000 | 22,923,000 | 27,708,000 |
| Equity capital | 72,814,000 | 73,722,000 | 74,581,000 | 75,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,753,000 | 11,913,000 | 18,240,000 | 24,449,000 |
| Interest expense | 577,000 | 1,157,000 | 1,757,000 | 2,338,000 |
| Net interest income | 5,176,000 | 10,756,000 | 16,483,000 | 22,111,000 |
| Noninterest income | 2,303,000 | 5,269,000 | 8,787,000 | 11,567,000 |
| Noninterest expense | 5,534,000 | 11,595,000 | 17,547,000 | 23,446,000 |
| Provision for loan losses | 10,000 | 161,000 | 312,000 | 462,000 |
| Pretax income | 1,935,000 | 4,325,000 | 7,467,000 | 9,930,000 |
| Income tax | 553,000 | 1,286,000 | 2,242,000 | 2,978,000 |
| Net income | 1,382,000 | 3,039,000 | 5,225,000 | 6,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,007,000 | 55,530,000 | 56,487,000 | 57,021,000 |
| Total capital | 61,204,000 | 62,017,000 | 62,995,000 | 63,664,000 |
| Risk-weighted assets | 495,220,000 | 518,892,000 | 520,377,000 | 531,324,000 |
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