Call reports 2016
STATE BANK & TRUST CO. — 2016
What STATE BANK & TRUST CO. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 159,131,000 | 151,866,000 | 154,813,000 | 160,739,000 |
| Total loans | 96,579,000 | 97,190,000 | 100,857,000 | 99,130,000 |
| Allowance for loan losses | 1,623,000 | 1,641,000 | 1,654,000 | 1,655,000 |
| Securities available for sale | 43,288,000 | 44,339,000 | 44,601,000 | 47,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,820,000 | 123,377,000 | 119,652,000 | 133,320,000 |
| Interest-bearing deposits | 105,263,000 | 98,811,000 | 95,680,000 | 102,383,000 |
| Noninterest-bearing deposits | 25,557,000 | 24,566,000 | 23,973,000 | 30,936,000 |
| Equity capital | 18,951,000 | 19,297,000 | 19,240,000 | 18,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,390,000 | 2,785,000 | 4,189,000 | 5,542,000 |
| Interest expense | 120,000 | 244,000 | 374,000 | 517,000 |
| Net interest income | 1,270,000 | 2,541,000 | 3,815,000 | 5,025,000 |
| Noninterest income | 205,000 | 408,000 | 615,000 | 896,000 |
| Noninterest expense | 625,000 | 1,270,000 | 1,882,000 | 2,545,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 5,000 |
| Pretax income | 850,000 | 1,679,000 | 2,545,000 | 3,371,000 |
| Income tax | 260,000 | 516,000 | 790,000 | 1,048,000 |
| Net income | 590,000 | 1,163,000 | 1,755,000 | 2,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,373,000 | 18,598,000 | 18,640,000 | 18,633,000 |
| Total capital | 19,861,000 | 20,031,000 | 20,119,000 | 20,170,000 |
| Risk-weighted assets | 118,783,000 | 114,294,000 | 118,049,000 | 122,778,000 |