Call reports 2015
STATE BANK & TRUST CO. — 2015
What STATE BANK & TRUST CO. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 159,895,000 | 166,298,000 | 160,048,000 | 154,846,000 |
| Total loans | 95,766,000 | 97,086,000 | 102,582,000 | 99,308,000 |
| Allowance for loan losses | 1,582,000 | 1,596,000 | 1,608,000 | 1,624,000 |
| Securities available for sale | 51,876,000 | 46,269,000 | 45,809,000 | 45,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,953,000 | 139,224,000 | 125,364,000 | 128,428,000 |
| Interest-bearing deposits | 100,659,000 | 105,228,000 | 100,168,000 | 100,101,000 |
| Noninterest-bearing deposits | 31,295,000 | 33,996,000 | 25,196,000 | 28,327,000 |
| Equity capital | 18,308,000 | 18,182,000 | 18,499,000 | 18,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,399,000 | 2,813,000 | 4,232,000 | 5,649,000 |
| Interest expense | 122,000 | 247,000 | 376,000 | 497,000 |
| Net interest income | 1,277,000 | 2,566,000 | 3,856,000 | 5,152,000 |
| Noninterest income | 159,000 | 249,000 | 409,000 | 748,000 |
| Noninterest expense | 605,000 | 1,269,000 | 1,893,000 | 2,710,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 1,000 |
| Pretax income | 830,000 | 1,624,000 | 2,450,000 | 3,268,000 |
| Income tax | 241,000 | 470,000 | 715,000 | 957,000 |
| Net income | 589,000 | 1,154,000 | 1,735,000 | 2,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,463,000 | 17,677,000 | 17,909,000 | 18,135,000 |
| Total capital | 18,924,000 | 19,159,000 | 19,458,000 | 19,658,000 |
| Risk-weighted assets | 116,754,000 | 118,403,000 | 123,831,000 | 121,612,000 |