Call reports 2024
STATE BANK & TRUST CO. — 2024
What STATE BANK & TRUST CO. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 204,819,000 | 195,871,000 | 203,827,000 | 198,640,000 |
| Total loans | 107,735,000 | 108,453,000 | 111,166,000 | 111,240,000 |
| Allowance for loan losses | 1,542,000 | 1,556,000 | 2,001,000 | 1,599,000 |
| Securities available for sale | 79,053,000 | 77,711,000 | 77,659,000 | 73,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,614,000 | 172,870,000 | 175,472,000 | 162,853,000 |
| Interest-bearing deposits | 139,201,000 | 134,418,000 | 131,292,000 | 111,936,000 |
| Noninterest-bearing deposits | 40,413,000 | 38,452,000 | 44,180,000 | 50,917,000 |
| Equity capital | 15,220,000 | 15,517,000 | 16,956,000 | 16,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,933,000 | 3,850,000 | 5,816,000 | 7,770,000 |
| Interest expense | 860,000 | 1,703,000 | 2,602,000 | 3,431,000 |
| Net interest income | 1,073,000 | 2,147,000 | 3,214,000 | 4,339,000 |
| Noninterest income | 172,000 | 348,000 | 535,000 | 734,000 |
| Noninterest expense | 810,000 | 1,636,000 | 2,428,000 | 3,239,000 |
| Provision for loan losses | 39,000 | 55,000 | 504,000 | 568,000 |
| Pretax income | 317,000 | 722,000 | 730,000 | 1,186,000 |
| Income tax | 67,000 | 156,000 | 150,000 | 252,000 |
| Net income | 250,000 | 566,000 | 580,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,627,000 | 20,692,000 | 20,394,000 | 20,734,000 |
| Total capital | 22,271,000 | 22,352,000 | 22,183,000 | 22,435,000 |
| Risk-weighted assets | 139,074,000 | 139,414,000 | 142,708,000 | 140,177,000 |