Call reports 2013
STATE BANK & TRUST CO. — 2013
What STATE BANK & TRUST CO. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 161,635,000 | 156,473,000 | 156,828,000 | 154,405,000 |
| Total loans | 82,092,000 | 86,521,000 | 85,457,000 | 84,253,000 |
| Allowance for loan losses | 1,573,000 | 1,572,000 | 1,568,000 | 1,568,000 |
| Securities available for sale | 52,246,000 | 53,954,000 | 53,927,000 | 55,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,371,000 | 127,658,000 | 128,939,000 | 127,045,000 |
| Interest-bearing deposits | 109,733,000 | 107,377,000 | 109,381,000 | 102,334,000 |
| Noninterest-bearing deposits | 22,638,000 | 20,280,000 | 19,557,000 | 24,711,000 |
| Equity capital | 16,964,000 | 16,140,000 | 16,624,000 | 16,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,327,000 | 2,669,000 | 3,998,000 | 5,335,000 |
| Interest expense | 185,000 | 360,000 | 531,000 | 696,000 |
| Net interest income | 1,142,000 | 2,309,000 | 3,467,000 | 4,639,000 |
| Noninterest income | 215,000 | 325,000 | 508,000 | 725,000 |
| Noninterest expense | 590,000 | 1,197,000 | 1,801,000 | 2,467,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 786,000 | 1,456,000 | 2,192,000 | 2,915,000 |
| Income tax | 218,000 | 392,000 | 593,000 | 792,000 |
| Net income | 568,000 | 1,064,000 | 1,599,000 | 2,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,839,000 | 15,987,000 | 16,170,000 | 16,344,000 |
| Total capital | 17,208,000 | 17,331,000 | 17,553,000 | 17,734,000 |
| Risk-weighted assets | 109,214,000 | 112,254,000 | 110,443,000 | 110,956,000 |