Call reports 2013
STATE BANK AND TRUST COMPANY — 2013
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 213,392,000 | 206,978,000 | 202,615,000 | 194,557,000 |
| Total loans | 155,157,000 | 152,531,000 | 144,030,000 | 137,674,000 |
| Allowance for loan losses | 2,760,000 | 3,088,000 | 3,339,000 | 1,920,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,002,000 | 1,002,000 | 1,002,000 | 1,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,199,000 | 170,187,000 | 166,702,000 | 160,945,000 |
| Interest-bearing deposits | 106,342,000 | 93,673,000 | 91,475,000 | 83,876,000 |
| Noninterest-bearing deposits | 68,857,000 | 76,514,000 | 75,227,000 | 77,069,000 |
| Equity capital | 26,135,000 | 26,204,000 | 26,338,000 | 24,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,095,000 | 4,203,000 | 6,095,000 | 7,907,000 |
| Interest expense | 342,000 | 651,000 | 955,000 | 1,244,000 |
| Net interest income | 1,753,000 | 3,552,000 | 5,140,000 | 6,663,000 |
| Noninterest income | 226,000 | 398,000 | 574,000 | 746,000 |
| Noninterest expense | 1,218,000 | 2,362,000 | 3,734,000 | 5,162,000 |
| Provision for loan losses | 50,000 | 265,000 | 526,000 | 2,207,000 |
| Pretax income | 711,000 | 1,323,000 | 1,454,000 | 40,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 711,000 | 1,323,000 | 1,454,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,246,000 | 19,315,000 | 19,449,000 | 18,034,000 |
| Total capital | 20,965,000 | 21,006,000 | 21,052,000 | 19,566,000 |
| Risk-weighted assets | 136,496,000 | 133,844,000 | 126,500,000 | 122,204,000 |