Call reports 2006
STATE BANK AND TRUST COMPANY — 2006
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 14,884,000 | 14,709,000 | 14,270,000 | 20,452,000 |
| Total loans | 3,687,000 | 6,290,000 | 8,313,000 | 11,669,000 |
| Allowance for loan losses | 38,000 | 103,000 | 123,000 | 139,000 |
| Securities available for sale | 3,965,000 | 3,936,000 | 3,965,000 | 3,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,975,000 | 7,916,000 | 7,633,000 | 13,977,000 |
| Interest-bearing deposits | 6,793,000 | 6,365,000 | 6,258,000 | 11,586,000 |
| Noninterest-bearing deposits | 1,182,000 | 1,551,000 | 1,375,000 | 2,391,000 |
| Equity capital | 6,876,000 | 6,709,000 | 6,534,000 | 6,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 187,000 | 405,000 | 646,000 | 939,000 |
| Interest expense | 43,000 | 99,000 | 150,000 | 229,000 |
| Net interest income | 144,000 | 306,000 | 496,000 | 710,000 |
| Noninterest income | 9,000 | 22,000 | 37,000 | 52,000 |
| Noninterest expense | 234,000 | 493,000 | 870,000 | 1,244,000 |
| Provision for loan losses | 16,000 | 81,000 | 101,000 | 117,000 |
| Pretax income | -97,000 | -246,000 | -438,000 | -599,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -97,000 | -246,000 | -438,000 | -599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,876,000 | 6,741,000 | 6,549,000 | 6,388,000 |
| Total capital | 6,914,000 | 6,844,000 | 6,672,000 | 6,527,000 |
| Risk-weighted assets | 5,979,000 | 8,053,000 | 9,674,000 | 13,915,000 |