Call reports 2025
STATE BANK AND TRUST COMPANY, THE — 2025
What STATE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,492,129,000 | 1,477,525,000 | 1,487,552,000 | 1,536,850,000 |
| Total loans | 1,092,564,000 | 1,107,514,000 | 1,115,290,000 | 1,182,356,000 |
| Allowance for loan losses | 15,391,000 | 15,645,000 | 15,943,000 | 16,114,000 |
| Securities available for sale | 198,684,000 | 195,458,000 | 193,188,000 | 188,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,279,246,000 | 1,253,252,000 | 1,268,013,000 | 1,317,530,000 |
| Interest-bearing deposits | 1,030,855,000 | 1,008,658,000 | 1,015,890,000 | 1,053,262,000 |
| Noninterest-bearing deposits | 248,391,000 | 244,594,000 | 252,123,000 | 264,268,000 |
| Equity capital | 148,455,000 | 153,922,000 | 155,110,000 | 156,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 17,334,000 | 35,770,000 | 54,546,000 | 73,782,000 |
| Interest expense | 5,738,000 | 11,722,000 | 17,841,000 | 24,052,000 |
| Net interest income | 11,596,000 | 24,048,000 | 36,705,000 | 49,730,000 |
| Noninterest income | 3,755,000 | 8,311,000 | 12,053,000 | 15,948,000 |
| Noninterest expense | 11,206,000 | 22,522,000 | 33,682,000 | 44,615,000 |
| Provision for loan losses | 374,000 | 675,000 | 975,000 | 1,275,000 |
| Pretax income | 3,758,000 | 8,853,000 | 13,967,000 | 19,756,000 |
| Income tax | 724,000 | 1,730,000 | 2,735,000 | 3,888,000 |
| Net income | 3,034,000 | 7,123,000 | 11,232,000 | 15,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,641,000 | 152,727,000 | 151,901,000 | 151,592,000 |
| Total capital | 163,709,000 | 167,990,000 | 167,142,000 | 167,693,000 |
| Risk-weighted assets | 1,203,803,000 | 1,219,075,000 | 1,217,130,000 | 1,286,708,000 |