Call reports 2009
STATE BANK & TRUST — 2009
What STATE BANK & TRUST 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 | 173,698,000 | 176,542,000 | 179,976,000 | 180,576,000 |
| Total loans | 67,698,000 | 67,751,000 | 67,737,000 | 67,091,000 |
| Allowance for loan losses | 689,000 | 774,000 | 772,000 | 680,000 |
| Securities available for sale | 68,724,000 | 69,825,000 | 74,069,000 | 77,047,000 |
| Securities held to maturity | 15,839,000 | 13,324,000 | 12,137,000 | 11,703,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,988,000 | 146,549,000 | 147,320,000 | 148,919,000 |
| Interest-bearing deposits | 123,347,000 | 126,926,000 | 127,752,000 | 129,529,000 |
| Noninterest-bearing deposits | 20,641,000 | 19,624,000 | 19,568,000 | 19,390,000 |
| Equity capital | 24,616,000 | 24,750,000 | 27,243,000 | 26,523,000 |
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 | 2,623,000 | 5,209,000 | 7,785,000 | 10,328,000 |
| Interest expense | 1,105,000 | 2,188,000 | 3,256,000 | 4,291,000 |
| Net interest income | 1,518,000 | 3,021,000 | 4,529,000 | 6,037,000 |
| Noninterest income | 212,000 | 429,000 | 629,000 | 836,000 |
| Noninterest expense | 899,000 | 1,905,000 | 2,886,000 | 3,935,000 |
| Provision for loan losses | 35,000 | 196,000 | 226,000 | 274,000 |
| Pretax income | 910,000 | 1,463,000 | 2,160,000 | 2,778,000 |
| Income tax | 48,000 | 82,000 | 125,000 | 149,000 |
| Net income | 862,000 | 1,381,000 | 2,035,000 | 2,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,175,000 | 25,475,000 | 25,873,000 | 26,065,000 |
| Total capital | 25,864,000 | 26,249,000 | 26,645,000 | 26,745,000 |
| Risk-weighted assets | 86,723,000 | 87,596,000 | 88,216,000 | 90,054,000 |
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