Call reports 2012
STATE BANK & TRUST — 2012
What STATE BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 204,864,000 | 204,761,000 | 206,542,000 | 202,416,000 |
| Total loans | 62,754,000 | 62,353,000 | 62,140,000 | 62,241,000 |
| Allowance for loan losses | 843,000 | 740,000 | 795,000 | 845,000 |
| Securities available for sale | 88,669,000 | 87,021,000 | 91,172,000 | 93,080,000 |
| Securities held to maturity | 6,763,000 | 5,723,000 | 5,081,000 | 3,310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,913,000 | 170,522,000 | 171,511,000 | 172,628,000 |
| Interest-bearing deposits | 147,694,000 | 145,754,000 | 146,734,000 | 147,458,000 |
| Noninterest-bearing deposits | 24,219,000 | 24,768,000 | 24,777,000 | 25,170,000 |
| Equity capital | 31,517,000 | 32,625,000 | 33,269,000 | 28,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,312,000 | 4,598,000 | 6,815,000 | 9,022,000 |
| Interest expense | 713,000 | 1,400,000 | 2,070,000 | 2,726,000 |
| Net interest income | 1,599,000 | 3,198,000 | 4,745,000 | 6,296,000 |
| Noninterest income | 201,000 | 417,000 | 587,000 | 757,000 |
| Noninterest expense | 1,009,000 | 2,054,000 | 3,096,000 | 4,196,000 |
| Provision for loan losses | 96,000 | 162,000 | 312,000 | 342,000 |
| Pretax income | 695,000 | 1,423,000 | 2,033,000 | 3,209,000 |
| Income tax | 34,000 | 72,000 | 96,000 | 158,000 |
| Net income | 661,000 | 1,351,000 | 1,937,000 | 3,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,531,000 | 28,795,000 | 29,079,000 | 24,903,000 |
| Total capital | 29,374,000 | 29,535,000 | 29,874,000 | 25,748,000 |
| Risk-weighted assets | 85,513,000 | 84,420,000 | 85,113,000 | 85,590,000 |