Call reports 2016
STATE BANK AND TRUST COMPANY, THE — 2016
What STATE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 773,669,000 | 791,665,000 | 800,327,000 | 814,700,000 |
| Total loans | 584,026,000 | 613,220,000 | 625,226,000 | 648,872,000 |
| Allowance for loan losses | 7,205,000 | 7,450,000 | 7,320,000 | 7,725,000 |
| Securities available for sale | 97,967,000 | 92,449,000 | 92,666,000 | 90,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 930,000 | 1,524,000 | 1,396,000 | 623,000 |
| Total deposits | 645,872,000 | 655,089,000 | 667,832,000 | 678,557,000 |
| Interest-bearing deposits | 525,878,000 | 537,481,000 | 545,248,000 | 547,964,000 |
| Noninterest-bearing deposits | 119,994,000 | 117,608,000 | 122,584,000 | 130,593,000 |
| Equity capital | 84,735,000 | 87,495,000 | 89,942,000 | 91,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,826,000 | 14,039,000 | 21,538,000 | 29,051,000 |
| Interest expense | 656,000 | 1,383,000 | 2,148,000 | 2,946,000 |
| Net interest income | 6,170,000 | 12,656,000 | 19,390,000 | 26,105,000 |
| Noninterest income | 3,094,000 | 7,117,000 | 11,890,000 | 16,893,000 |
| Noninterest expense | 6,428,000 | 13,342,000 | 20,827,000 | 28,270,000 |
| Provision for loan losses | 255,000 | 256,000 | 257,000 | 759,000 |
| Pretax income | 2,692,000 | 6,378,000 | 10,458,000 | 14,231,000 |
| Income tax | 848,000 | 2,030,000 | 3,349,000 | 4,569,000 |
| Net income | 1,844,000 | 4,348,000 | 7,109,000 | 9,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,972,000 | 69,544,000 | 72,308,000 | 74,183,000 |
| Total capital | 74,177,000 | 76,994,000 | 79,628,000 | 81,908,000 |
| Risk-weighted assets | 657,214,000 | 692,332,000 | 697,963,000 | 721,720,000 |