Call reports 2016
STATE BANK AND TRUST COMPANY — 2016
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,001,112,000 | 1,009,740,000 | 1,067,948,000 | 1,051,928,000 |
| Total loans | 780,651,000 | 795,142,000 | 819,051,000 | 822,963,000 |
| Allowance for loan losses | 9,571,000 | 9,828,000 | 9,887,000 | 9,422,000 |
| Securities available for sale | 106,765,000 | 106,522,000 | 106,069,000 | 106,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 836,427,000 | 828,634,000 | 891,084,000 | 878,624,000 |
| Interest-bearing deposits | 755,804,000 | 749,693,000 | 810,085,000 | 783,396,000 |
| Noninterest-bearing deposits | 80,623,000 | 78,941,000 | 81,000,000 | 95,228,000 |
| Equity capital | 112,747,000 | 114,997,000 | 116,629,000 | 112,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,927,000 | 20,107,000 | 30,576,000 | 40,887,000 |
| Interest expense | 1,206,000 | 2,432,000 | 3,711,000 | 5,003,000 |
| Net interest income | 8,721,000 | 17,675,000 | 26,865,000 | 35,884,000 |
| Noninterest income | 1,448,000 | 3,037,000 | 4,800,000 | 6,377,000 |
| Noninterest expense | 7,591,000 | 15,156,000 | 22,824,000 | 30,889,000 |
| Provision for loan losses | 379,000 | 682,000 | 882,000 | 873,000 |
| Pretax income | 2,260,000 | 4,934,000 | 8,028,000 | 10,593,000 |
| Income tax | 766,000 | 1,666,000 | 2,691,000 | 3,492,000 |
| Net income | 1,494,000 | 3,268,000 | 5,337,000 | 7,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,186,000 | 86,990,000 | 89,094,000 | 87,395,000 |
| Total capital | 94,765,000 | 96,825,000 | 98,987,000 | 96,824,000 |
| Risk-weighted assets | 810,845,000 | 815,141,000 | 854,884,000 | 858,100,000 |