Call reports 2009
SB&T BANK — 2009
What SB&T BANK 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 | 649,284,000 | 640,427,000 | 619,431,000 | 611,107,000 |
| Total loans | 504,395,000 | 502,550,000 | 490,930,000 | 476,978,000 |
| Allowance for loan losses | 10,485,000 | 11,637,000 | 11,536,000 | 10,447,000 |
| Securities available for sale | 100,256,000 | 93,885,000 | 81,110,000 | 73,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 557,338,000 | 549,464,000 | 530,433,000 | 520,448,000 |
| Interest-bearing deposits | 481,026,000 | 473,198,000 | 458,051,000 | 444,420,000 |
| Noninterest-bearing deposits | 76,312,000 | 76,266,000 | 72,382,000 | 76,028,000 |
| Equity capital | 48,359,000 | 48,659,000 | 48,550,000 | 51,088,000 |
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 | 7,828,000 | 15,766,000 | 23,345,000 | 30,827,000 |
| Interest expense | 2,679,000 | 5,191,000 | 7,475,000 | 9,398,000 |
| Net interest income | 5,149,000 | 10,575,000 | 15,870,000 | 21,429,000 |
| Noninterest income | 753,000 | 617,000 | 1,835,000 | 2,736,000 |
| Noninterest expense | 3,739,000 | 7,956,000 | 11,711,000 | 15,264,000 |
| Provision for loan losses | 3,877,000 | 6,510,000 | 14,770,000 | 20,047,000 |
| Pretax income | -1,714,000 | -3,274,000 | -8,542,000 | -10,912,000 |
| Income tax | -720,000 | -1,372,000 | -3,462,000 | -4,403,000 |
| Net income | -994,000 | -1,902,000 | -5,080,000 | -6,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,887,000 | 46,601,000 | 46,419,000 | 49,439,000 |
| Total capital | 52,431,000 | 53,079,000 | 52,695,000 | 55,599,000 |
| Risk-weighted assets | 519,510,000 | 513,001,000 | 496,831,000 | 488,444,000 |