Call reports 2015
STATE BANK AND TRUST COMPANY, THE — 2015
What STATE BANK AND TRUST COMPANY, 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 | 715,734,000 | 705,543,000 | 718,006,000 | 731,365,000 |
| Total loans | 520,453,000 | 532,470,000 | 549,409,000 | 565,179,000 |
| Allowance for loan losses | 6,830,000 | 7,006,000 | 7,076,000 | 6,990,000 |
| Securities available for sale | 94,033,000 | 98,763,000 | 95,459,000 | 89,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 502,000 | 318,000 | 651,000 | 490,000 |
| Total deposits | 588,937,000 | 573,509,000 | 583,833,000 | 596,133,000 |
| Interest-bearing deposits | 481,727,000 | 466,690,000 | 471,194,000 | 473,421,000 |
| Noninterest-bearing deposits | 107,210,000 | 106,819,000 | 112,639,000 | 122,712,000 |
| Equity capital | 76,693,000 | 77,856,000 | 80,713,000 | 82,245,000 |
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 | 6,174,000 | 12,588,000 | 19,305,000 | 25,927,000 |
| Interest expense | 592,000 | 1,190,000 | 1,781,000 | 2,371,000 |
| Net interest income | 5,582,000 | 11,398,000 | 17,524,000 | 23,556,000 |
| Noninterest income | 3,331,000 | 7,509,000 | 11,210,000 | 14,722,000 |
| Noninterest expense | 6,114,000 | 12,437,000 | 18,581,000 | 25,013,000 |
| Provision for loan losses | 354,000 | 855,000 | 956,000 | 1,106,000 |
| Pretax income | 2,445,000 | 5,615,000 | 9,197,000 | 12,159,000 |
| Income tax | 743,000 | 1,736,000 | 2,867,000 | 3,790,000 |
| Net income | 1,702,000 | 3,879,000 | 6,330,000 | 8,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,984,000 | 60,466,000 | 62,922,000 | 64,914,000 |
| Total capital | 65,761,000 | 67,472,000 | 69,998,000 | 71,904,000 |
| Risk-weighted assets | 542,158,000 | 577,843,000 | 600,398,000 | 634,323,000 |