Call reports 2009
STATE BANK FINANCIAL — 2009
What STATE BANK FINANCIAL reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 336,717,000 | 325,874,000 | 333,075,000 | 314,876,000 |
| Total loans | 230,931,000 | 224,360,000 | 216,896,000 | 208,197,000 |
| Allowance for loan losses | 3,580,000 | 6,183,000 | 4,743,000 | 7,839,000 |
| Securities available for sale | 73,689,000 | 71,531,000 | 67,810,000 | 66,294,000 |
| Securities held to maturity | 7,619,000 | 6,416,000 | 5,824,000 | 4,948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,627,000 | 246,336,000 | 266,488,000 | 250,157,000 |
| Interest-bearing deposits | 229,780,000 | 211,556,000 | 228,717,000 | 207,019,000 |
| Noninterest-bearing deposits | 35,847,000 | 34,780,000 | 37,771,000 | 43,138,000 |
| Equity capital | 31,993,000 | 30,091,000 | 31,973,000 | 30,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,047,000 | 8,054,000 | 11,931,000 | 15,680,000 |
| Interest expense | 998,000 | 1,798,000 | 2,514,000 | 3,183,000 |
| Net interest income | 3,049,000 | 6,256,000 | 9,417,000 | 12,497,000 |
| Noninterest income | 515,000 | 1,039,000 | 1,707,000 | 2,200,000 |
| Noninterest expense | 2,439,000 | 5,043,000 | 7,517,000 | 9,766,000 |
| Provision for loan losses | 700,000 | 3,325,000 | 3,925,000 | 6,925,000 |
| Pretax income | 425,000 | -1,073,000 | -318,000 | -1,994,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 5,000 |
| Net income | 423,000 | -1,077,000 | -324,000 | -1,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,842,000 | 26,156,000 | 26,878,000 | 25,213,000 |
| Total capital | 31,010,000 | 29,253,000 | 29,853,000 | 28,073,000 |
| Risk-weighted assets | 253,035,000 | 244,709,000 | 236,247,000 | 223,820,000 |
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