Call reports 2015
STATE BANK — 2015
What STATE BANK 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 | 372,927,000 | 366,592,000 | 361,640,000 | 362,797,000 |
| Total loans | 239,749,000 | 245,410,000 | 242,534,000 | 253,658,000 |
| Allowance for loan losses | 5,576,000 | 5,579,000 | 5,390,000 | 4,278,000 |
| Securities available for sale | 45,740,000 | 48,618,000 | 49,132,000 | 37,477,000 |
| Securities held to maturity | 33,620,000 | 33,082,000 | 32,296,000 | 32,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,274,000 | 316,887,000 | 310,939,000 | 309,965,000 |
| Interest-bearing deposits | 254,454,000 | 256,856,000 | 248,324,000 | 246,783,000 |
| Noninterest-bearing deposits | 63,821,000 | 60,030,000 | 62,616,000 | 63,182,000 |
| Equity capital | 43,467,000 | 43,353,000 | 44,207,000 | 44,119,000 |
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 | 3,207,000 | 6,351,000 | 9,642,000 | 12,875,000 |
| Interest expense | 215,000 | 427,000 | 638,000 | 841,000 |
| Net interest income | 2,992,000 | 5,924,000 | 9,004,000 | 12,034,000 |
| Noninterest income | 705,000 | 1,425,000 | 2,205,000 | 2,924,000 |
| Noninterest expense | 2,755,000 | 5,530,000 | 8,405,000 | 11,250,000 |
| Provision for loan losses | 26,000 | 33,000 | 39,000 | 45,000 |
| Pretax income | 937,000 | 1,807,000 | 2,786,000 | 3,730,000 |
| Income tax | 231,000 | 432,000 | 671,000 | 905,000 |
| Net income | 706,000 | 1,375,000 | 2,115,000 | 2,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,886,000 | 42,982,000 | 43,720,000 | 44,095,000 |
| Total capital | 46,127,000 | 46,274,000 | 47,056,000 | 47,520,000 |
| Risk-weighted assets | 257,044,000 | 261,136,000 | 264,861,000 | 273,184,000 |