Call reports 2014
STATE BANK & TRUST CO. — 2014
What STATE BANK & TRUST CO. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 160,015,000 | 159,084,000 | 157,363,000 | 157,895,000 |
| Total loans | 82,844,000 | 87,162,000 | 89,019,000 | 92,976,000 |
| Allowance for loan losses | 1,570,000 | 1,585,000 | 1,564,000 | 1,574,000 |
| Securities available for sale | 57,709,000 | 56,054,000 | 55,294,000 | 52,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,664,000 | 131,928,000 | 127,890,000 | 123,103,000 |
| Interest-bearing deposits | 106,695,000 | 104,738,000 | 106,283,000 | 96,167,000 |
| Noninterest-bearing deposits | 24,970,000 | 27,190,000 | 21,607,000 | 26,936,000 |
| Equity capital | 17,077,000 | 17,570,000 | 17,739,000 | 17,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,317,000 | 2,722,000 | 4,096,000 | 5,497,000 |
| Interest expense | 146,000 | 287,000 | 426,000 | 562,000 |
| Net interest income | 1,171,000 | 2,435,000 | 3,670,000 | 4,935,000 |
| Noninterest income | 174,000 | 354,000 | 561,000 | 733,000 |
| Noninterest expense | 606,000 | 1,246,000 | 1,877,000 | 2,558,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 3,000 |
| Pretax income | 783,000 | 1,587,000 | 2,396,000 | 3,198,000 |
| Income tax | 221,000 | 452,000 | 686,000 | 918,000 |
| Net income | 562,000 | 1,135,000 | 1,710,000 | 2,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,556,000 | 16,779,000 | 17,005,000 | 17,224,000 |
| Total capital | 17,897,000 | 18,202,000 | 18,449,000 | 18,708,000 |
| Risk-weighted assets | 111,689,000 | 113,643,000 | 115,298,000 | 118,557,000 |