Call reports 2007
STATE BANK AND TRUST COMPANY — 2007
What STATE BANK AND TRUST COMPANY 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 | 21,759,000 | 22,769,000 | 24,215,000 | 27,599,000 |
| Total loans | 13,470,000 | 15,765,000 | 18,130,000 | 19,189,000 |
| Allowance for loan losses | 157,000 | 180,000 | 204,000 | 316,000 |
| Securities available for sale | 3,990,000 | 3,959,000 | 4,005,000 | 4,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,301,000 | 16,260,000 | 17,501,000 | 21,347,000 |
| Interest-bearing deposits | 11,962,000 | 13,246,000 | 15,267,000 | 18,774,000 |
| Noninterest-bearing deposits | 3,339,000 | 3,014,000 | 2,234,000 | 2,573,000 |
| Equity capital | 6,352,000 | 6,261,000 | 6,228,000 | 6,102,000 |
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 | 435,000 | 842,000 | 1,296,000 | 1,789,000 |
| Interest expense | 111,000 | 241,000 | 401,000 | 584,000 |
| Net interest income | 324,000 | 601,000 | 895,000 | 1,205,000 |
| Noninterest income | 19,000 | 55,000 | 89,000 | 132,000 |
| Noninterest expense | 352,000 | 716,000 | 1,084,000 | 1,450,000 |
| Provision for loan losses | 26,000 | 44,000 | 68,000 | 196,000 |
| Pretax income | -35,000 | -104,000 | -168,000 | -309,000 |
| Income tax | 0 | 2,000 | 0 | 0 |
| Net income | -35,000 | -106,000 | -168,000 | -309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,352,000 | 6,282,000 | 6,221,000 | 6,078,000 |
| Total capital | 6,509,000 | 6,462,000 | 6,421,000 | 6,358,000 |
| Risk-weighted assets | 15,723,000 | 17,832,000 | 19,923,000 | 22,402,000 |
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