Call reports 2008
SB&T BANK — 2008
What SB&T BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 417,745,000 | 421,175,000 | 423,811,000 | 429,855,000 |
| Total loans | 341,548,000 | 349,602,000 | 346,898,000 | 350,639,000 |
| Allowance for loan losses | 5,540,000 | 7,331,000 | 7,014,000 | 8,610,000 |
| Securities available for sale | 46,211,000 | 47,958,000 | 54,167,000 | 59,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,711,000 | 321,232,000 | 357,672,000 | 360,786,000 |
| Interest-bearing deposits | 291,021,000 | 307,122,000 | 342,979,000 | 310,413,000 |
| Noninterest-bearing deposits | 16,690,000 | 14,110,000 | 14,693,000 | 50,373,000 |
| Equity capital | 31,872,000 | 31,226,000 | 32,015,000 | 32,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,284,000 | 12,307,000 | 18,189,000 | 23,495,000 |
| Interest expense | 2,583,000 | 4,869,000 | 7,151,000 | 9,686,000 |
| Net interest income | 3,701,000 | 7,438,000 | 11,038,000 | 13,809,000 |
| Noninterest income | 445,000 | 570,000 | 941,000 | 1,687,000 |
| Noninterest expense | 2,404,000 | 4,698,000 | 6,937,000 | 9,089,000 |
| Provision for loan losses | 159,000 | 2,298,000 | 2,249,000 | 4,759,000 |
| Pretax income | 1,583,000 | 1,012,000 | 2,793,000 | 1,648,000 |
| Income tax | 577,000 | 328,000 | 997,000 | 448,000 |
| Net income | 1,006,000 | 684,000 | 1,796,000 | 1,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,239,000 | 31,334,000 | 32,002,000 | 30,569,000 |
| Total capital | 35,633,000 | 35,797,000 | 36,447,000 | 34,956,000 |
| Risk-weighted assets | 350,364,000 | 354,185,000 | 352,990,000 | 346,730,000 |
Machine access — free, no API key
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