Call reports 2015
STATE BANK AND TRUST COMPANY — 2015
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 984,815,000 | 983,545,000 | 999,362,000 | 999,878,000 |
| Total loans | 750,633,000 | 762,811,000 | 767,723,000 | 766,323,000 |
| Allowance for loan losses | 9,002,000 | 9,390,000 | 9,730,000 | 8,530,000 |
| Securities available for sale | 117,897,000 | 111,743,000 | 112,347,000 | 109,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 793,751,000 | 781,234,000 | 833,520,000 | 834,371,000 |
| Interest-bearing deposits | 734,764,000 | 726,753,000 | 776,665,000 | 758,597,000 |
| Noninterest-bearing deposits | 58,988,000 | 54,480,000 | 56,855,000 | 75,774,000 |
| Equity capital | 109,664,000 | 109,985,000 | 112,338,000 | 110,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,735,000 | 19,737,000 | 29,729,000 | 39,646,000 |
| Interest expense | 1,194,000 | 2,395,000 | 3,559,000 | 4,733,000 |
| Net interest income | 8,541,000 | 17,342,000 | 26,170,000 | 34,913,000 |
| Noninterest income | 1,562,000 | 2,908,000 | 4,764,000 | 6,415,000 |
| Noninterest expense | 7,235,000 | 14,567,000 | 22,294,000 | 29,839,000 |
| Provision for loan losses | 659,000 | 1,048,000 | 1,528,000 | 1,599,000 |
| Pretax income | 2,252,000 | 4,690,000 | 7,167,000 | 9,977,000 |
| Income tax | 762,000 | 1,590,000 | 2,415,000 | 3,257,000 |
| Net income | 1,490,000 | 3,100,000 | 4,752,000 | 6,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,726,000 | 83,357,000 | 85,032,000 | 84,025,000 |
| Total capital | 90,733,000 | 92,751,000 | 94,767,000 | 92,559,000 |
| Risk-weighted assets | 804,268,000 | 803,890,000 | 810,000,000 | 801,012,000 |