Call reports 2025
STATE BANK & TRUST CO. — 2025
What STATE BANK & TRUST CO. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 199,605,000 | 194,920,000 | 193,137,000 | 196,359,000 |
| Total loans | 115,163,000 | 115,400,000 | 111,854,000 | 110,281,000 |
| Allowance for loan losses | 1,603,000 | 1,603,000 | 1,576,000 | 1,548,000 |
| Securities available for sale | 69,285,000 | 64,515,000 | 65,356,000 | 63,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,325,000 | 171,753,000 | 169,189,000 | 170,868,000 |
| Interest-bearing deposits | 124,002,000 | 125,552,000 | 123,332,000 | 110,754,000 |
| Noninterest-bearing deposits | 44,323,000 | 46,201,000 | 45,857,000 | 60,114,000 |
| Equity capital | 17,353,000 | 18,042,000 | 18,698,000 | 19,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,002,000 | 3,996,000 | 6,018,000 | 8,033,000 |
| Interest expense | 736,000 | 1,419,000 | 2,085,000 | 2,690,000 |
| Net interest income | 1,266,000 | 2,577,000 | 3,933,000 | 5,343,000 |
| Noninterest income | 183,000 | 375,000 | 567,000 | 805,000 |
| Noninterest expense | 781,000 | 1,568,000 | 2,362,000 | 3,117,000 |
| Provision for loan losses | 9,000 | 14,000 | -6,000 | -92,000 |
| Pretax income | 682,000 | 1,390,000 | 2,144,000 | 3,136,000 |
| Income tax | 156,000 | 319,000 | 491,000 | 725,000 |
| Net income | 526,000 | 1,071,000 | 1,653,000 | 2,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,911,000 | 21,008,000 | 21,182,000 | 21,494,000 |
| Total capital | 22,594,000 | 22,693,000 | 22,860,000 | 23,133,000 |
| Risk-weighted assets | 142,767,000 | 140,033,000 | 135,288,000 | 135,160,000 |