Call reports 2020
STATE BANK & TRUST CO. — 2020
What STATE BANK & TRUST CO. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 162,941,000 | 183,622,000 | 185,310,000 | 196,958,000 |
| Total loans | 108,289,000 | 119,697,000 | 119,852,000 | 115,023,000 |
| Allowance for loan losses | 2,134,000 | 2,069,000 | 2,075,000 | 2,025,000 |
| Securities available for sale | 36,842,000 | 34,394,000 | 33,911,000 | 37,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,402,000 | 160,409,000 | 163,518,000 | 171,555,000 |
| Interest-bearing deposits | 116,692,000 | 129,010,000 | 128,982,000 | 130,941,000 |
| Noninterest-bearing deposits | 25,711,000 | 31,400,000 | 34,536,000 | 40,613,000 |
| Equity capital | 15,917,000 | 16,856,000 | 17,177,000 | 17,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,500,000 | 3,046,000 | 4,569,000 | 6,019,000 |
| Interest expense | 248,000 | 391,000 | 524,000 | 648,000 |
| Net interest income | 1,252,000 | 2,655,000 | 4,045,000 | 5,371,000 |
| Noninterest income | 221,000 | 415,000 | 610,000 | 859,000 |
| Noninterest expense | 716,000 | 1,386,000 | 2,131,000 | 2,812,000 |
| Provision for loan losses | 210,000 | 160,000 | 160,000 | 110,000 |
| Pretax income | 547,000 | 1,524,000 | 2,364,000 | 3,308,000 |
| Income tax | 115,000 | 336,000 | 526,000 | 738,000 |
| Net income | 432,000 | 1,188,000 | 1,838,000 | 2,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,426,000 | 15,881,000 | 16,181,000 | 16,564,000 |