Call reports 2023
STATE BANK & TRUST CO. — 2023
What STATE BANK & TRUST CO. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 213,748,000 | 211,643,000 | 204,947,000 | 201,724,000 |
| Total loans | 110,669,000 | 104,810,000 | 101,817,000 | 106,333,000 |
| Allowance for loan losses | 1,589,000 | 1,496,000 | 1,400,000 | 1,502,000 |
| Securities available for sale | 88,668,000 | 85,024,000 | 83,331,000 | 82,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,730,000 | 193,344,000 | 181,634,000 | 173,053,000 |
| Interest-bearing deposits | 150,237,000 | 151,274,000 | 141,738,000 | 127,057,000 |
| Noninterest-bearing deposits | 40,493,000 | 42,070,000 | 39,896,000 | 45,996,000 |
| Equity capital | 14,202,000 | 13,646,000 | 13,183,000 | 15,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,792,000 | 3,641,000 | 5,523,000 | 7,429,000 |
| Interest expense | 664,000 | 1,409,000 | 2,201,000 | 3,005,000 |
| Net interest income | 1,128,000 | 2,232,000 | 3,322,000 | 4,424,000 |
| Noninterest income | 167,000 | 359,000 | 524,000 | 741,000 |
| Noninterest expense | 676,000 | 1,962,000 | 2,698,000 | 3,410,000 |
| Provision for loan losses | 55,000 | -39,000 | -136,000 | -34,000 |
| Pretax income | 582,000 | 666,000 | 1,330,000 | 1,814,000 |
| Income tax | 130,000 | 138,000 | 290,000 | 397,000 |
| Net income | 452,000 | 528,000 | 1,040,000 | 1,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,510,000 | 20,288,000 | 20,700,000 | 20,676,000 |
| Total capital | 22,211,000 | 21,916,000 | 22,184,000 | 22,283,000 |
| Risk-weighted assets | 146,611,000 | 140,147,000 | 137,554,000 | 139,021,000 |