Call reports 2020
STATE BANK AND TRUST COMPANY, THE — 2020
What STATE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,082,283,000 | 1,196,598,000 | 1,212,878,000 | 1,250,465,000 |
| Total loans | 842,095,000 | 915,296,000 | 899,797,000 | 879,968,000 |
| Allowance for loan losses | 8,958,000 | 10,013,000 | 11,793,000 | 12,574,000 |
| Securities available for sale | 107,727,000 | 104,289,000 | 130,315,000 | 149,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 869,951,000 | 994,354,000 | 1,018,016,000 | 1,058,939,000 |
| Interest-bearing deposits | 693,049,000 | 761,626,000 | 789,094,000 | 792,307,000 |
| Noninterest-bearing deposits | 176,902,000 | 232,728,000 | 228,922,000 | 266,632,000 |
| Equity capital | 136,494,000 | 141,356,000 | 142,459,000 | 143,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,632,000 | 21,218,000 | 32,017,000 | 42,598,000 |
| Interest expense | 2,008,000 | 3,669,000 | 5,163,000 | 6,449,000 |
| Net interest income | 8,624,000 | 17,549,000 | 26,854,000 | 36,149,000 |
| Noninterest income | 1,951,000 | 10,049,000 | 19,990,000 | 28,454,000 |
| Noninterest expense | 8,940,000 | 18,894,000 | 29,787,000 | 40,093,000 |
| Provision for loan losses | 600,000 | 1,900,000 | 3,700,000 | 4,500,000 |
| Pretax income | 1,035,000 | 6,804,000 | 13,357,000 | 20,010,000 |
| Income tax | 176,000 | 1,348,000 | 2,699,000 | 4,055,000 |
| Net income | 859,000 | 5,456,000 | 10,658,000 | 15,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,769,000 | 117,385,000 | 118,648,000 | 119,480,000 |
| Total capital | 126,727,000 | 127,398,000 | 130,317,000 | 131,062,000 |
| Risk-weighted assets | 967,745,000 | 980,378,000 | 933,415,000 | 925,569,000 |