Call reports 2007
SB&T BANK — 2007
What SB&T BANK 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 | 383,546,000 | 384,904,000 | 393,734,000 | 399,551,000 |
| Total loans | 317,120,000 | 320,444,000 | 324,100,000 | 332,110,000 |
| Allowance for loan losses | 6,204,000 | 6,354,000 | 5,869,000 | 5,594,000 |
| Securities available for sale | 44,684,000 | 46,453,000 | 44,644,000 | 42,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,714,000 | 320,390,000 | 295,111,000 | 296,657,000 |
| Interest-bearing deposits | 273,846,000 | 274,708,000 | 278,728,000 | 280,659,000 |
| Noninterest-bearing deposits | 46,868,000 | 45,682,000 | 16,383,000 | 15,998,000 |
| Equity capital | 30,658,000 | 30,559,000 | 31,148,000 | 31,605,000 |
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 | 6,914,000 | 13,840,000 | 20,774,000 | 27,488,000 |
| Interest expense | 2,860,000 | 5,838,000 | 8,988,000 | 11,900,000 |
| Net interest income | 4,054,000 | 8,002,000 | 11,786,000 | 15,588,000 |
| Noninterest income | 665,000 | 1,370,000 | 2,134,000 | 2,859,000 |
| Noninterest expense | 2,187,000 | 4,272,000 | 6,414,000 | 8,452,000 |
| Provision for loan losses | 420,000 | 934,000 | 1,183,000 | 1,459,000 |
| Pretax income | 2,112,000 | 4,166,000 | 6,323,000 | 8,536,000 |
| Income tax | 782,000 | 1,565,000 | 2,389,000 | 3,195,000 |
| Net income | 1,330,000 | 2,601,000 | 3,934,000 | 5,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,793,000 | 30,920,000 | 31,115,000 | 31,338,000 |
| Total capital | 34,882,000 | 34,986,000 | 35,275,000 | 35,571,000 |
| Risk-weighted assets | 324,993,000 | 322,979,000 | 331,108,000 | 337,241,000 |