Call reports 2014
STATE BANK AND TRUST COMPANY — 2014
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 958,978,000 | 951,518,000 | 973,144,000 | 970,659,000 |
| Total loans | 722,144,000 | 727,176,000 | 740,960,000 | 738,436,000 |
| Allowance for loan losses | 9,004,000 | 9,558,000 | 8,967,000 | 8,525,000 |
| Securities available for sale | 122,909,000 | 111,165,000 | 120,267,000 | 118,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 787,791,000 | 787,090,000 | 797,637,000 | 788,778,000 |
| Interest-bearing deposits | 731,840,000 | 716,567,000 | 736,812,000 | 720,114,000 |
| Noninterest-bearing deposits | 55,951,000 | 70,523,000 | 60,825,000 | 68,663,000 |
| Equity capital | 106,342,000 | 108,413,000 | 110,337,000 | 107,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 9,892,000 | 19,818,000 | 29,982,000 | 40,097,000 |
| Interest expense | 1,333,000 | 2,650,000 | 3,975,000 | 5,278,000 |
| Net interest income | 8,559,000 | 17,168,000 | 26,007,000 | 34,819,000 |
| Noninterest income | 1,661,000 | 3,246,000 | 5,050,000 | 7,047,000 |
| Noninterest expense | 7,320,000 | 14,491,000 | 21,903,000 | 29,416,000 |
| Provision for loan losses | 682,000 | 1,420,000 | 2,184,000 | 2,690,000 |
| Pretax income | 2,262,000 | 4,548,000 | 7,056,000 | 9,855,000 |
| Income tax | 733,000 | 1,515,000 | 2,384,000 | 3,147,000 |
| Net income | 1,529,000 | 3,033,000 | 4,672,000 | 6,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,742,000 | 81,301,000 | 82,995,000 | 79,597,000 |
| Total capital | 88,746,000 | 90,859,000 | 91,962,000 | 88,122,000 |
| Risk-weighted assets | 785,858,000 | 788,190,000 | 801,572,000 | 796,656,000 |