Call reports 2010
STATE BANK & TRUST — 2010
What STATE BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 181,276,000 | 184,781,000 | 184,229,000 | 184,912,000 |
| Total loans | 66,766,000 | 66,363,000 | 65,635,000 | 64,627,000 |
| Allowance for loan losses | 550,000 | 704,000 | 1,450,000 | 1,613,000 |
| Securities available for sale | 71,590,000 | 74,245,000 | 70,900,000 | 67,728,000 |
| Securities held to maturity | 11,266,000 | 10,624,000 | 10,365,000 | 10,152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,457,000 | 151,527,000 | 153,707,000 | 157,205,000 |
| Interest-bearing deposits | 129,480,000 | 131,605,000 | 133,359,000 | 135,920,000 |
| Noninterest-bearing deposits | 19,977,000 | 19,922,000 | 20,348,000 | 21,285,000 |
| Equity capital | 26,849,000 | 28,009,000 | 28,642,000 | 26,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,509,000 | 5,078,000 | 7,518,000 | 9,854,000 |
| Interest expense | 958,000 | 1,903,000 | 2,834,000 | 3,687,000 |
| Net interest income | 1,551,000 | 3,175,000 | 4,684,000 | 6,167,000 |
| Noninterest income | 213,000 | 427,000 | 624,000 | 771,000 |
| Noninterest expense | 976,000 | 1,977,000 | 2,964,000 | 3,982,000 |
| Provision for loan losses | 145,000 | 365,000 | 1,165,000 | 1,565,000 |
| Pretax income | 897,000 | 1,514,000 | 1,599,000 | 2,001,000 |
| Income tax | 41,000 | 80,000 | 20,000 | 51,000 |
| Net income | 856,000 | 1,434,000 | 1,579,000 | 1,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,450,000 | 26,878,000 | 26,541,000 | 26,712,000 |
| Total capital | 27,000,000 | 27,582,000 | 27,668,000 | 27,852,000 |
| Risk-weighted assets | 88,805,000 | 89,855,000 | 89,809,000 | 90,693,000 |
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