Call reports 2007
STATE BANK & TRUST — 2007
What STATE BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 166,907,000 | 166,817,000 | 167,042,000 | 167,367,000 |
| Total loans | 59,049,000 | 61,760,000 | 62,241,000 | 64,758,000 |
| Allowance for loan losses | 622,000 | 630,000 | 649,000 | 675,000 |
| Securities available for sale | 62,679,000 | 64,029,000 | 65,295,000 | 64,872,000 |
| Securities held to maturity | 23,259,000 | 23,084,000 | 22,474,000 | 22,222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,231,000 | 139,491,000 | 138,722,000 | 138,409,000 |
| Interest-bearing deposits | 118,210,000 | 119,700,000 | 119,715,000 | 121,151,000 |
| Noninterest-bearing deposits | 21,021,000 | 19,791,000 | 19,007,000 | 17,258,000 |
| Equity capital | 23,298,000 | 22,733,000 | 23,520,000 | 24,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,522,000 | 5,118,000 | 7,777,000 | 10,468,000 |
| Interest expense | 1,271,000 | 2,604,000 | 3,967,000 | 5,365,000 |
| Net interest income | 1,251,000 | 2,514,000 | 3,810,000 | 5,103,000 |
| Noninterest income | 199,000 | 412,000 | 608,000 | 836,000 |
| Noninterest expense | 866,000 | 1,727,000 | 2,618,000 | 3,513,000 |
| Provision for loan losses | 36,000 | 63,000 | 93,000 | 118,000 |
| Pretax income | 548,000 | 1,136,000 | 1,707,000 | 2,320,000 |
| Income tax | 34,000 | 70,000 | 105,000 | 123,000 |
| Net income | 514,000 | 1,066,000 | 1,602,000 | 2,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,319,000 | 23,737,000 | 23,812,000 | 24,408,000 |
| Total capital | 23,941,000 | 24,367,000 | 24,461,000 | 25,083,000 |
| Risk-weighted assets | 79,184,000 | 81,981,000 | 82,090,000 | 83,965,000 |
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