Call reports 2008
STATE BANK AND TRUST COMPANY — 2008
What STATE BANK AND TRUST COMPANY 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 | 30,030,000 | 30,129,000 | 30,338,000 | 33,803,000 |
| Total loans | 20,223,000 | 21,176,000 | 23,303,000 | 22,539,000 |
| Allowance for loan losses | 309,000 | 284,000 | 284,000 | 284,000 |
| Securities available for sale | 4,075,000 | 3,915,000 | 3,964,000 | 3,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,734,000 | 24,174,000 | 22,539,000 | 26,061,000 |
| Interest-bearing deposits | 21,229,000 | 21,500,000 | 20,604,000 | 23,407,000 |
| Noninterest-bearing deposits | 2,505,000 | 2,674,000 | 1,935,000 | 2,654,000 |
| Equity capital | 6,132,000 | 5,821,000 | 5,813,000 | 5,808,000 |
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 | 495,000 | 962,000 | 1,450,000 | 1,917,000 |
| Interest expense | 204,000 | 408,000 | 605,000 | 823,000 |
| Net interest income | 291,000 | 554,000 | 845,000 | 1,094,000 |
| Noninterest income | 38,000 | 82,000 | 133,000 | 175,000 |
| Noninterest expense | 351,000 | 745,000 | 1,143,000 | 1,479,000 |
| Provision for loan losses | 0 | 151,000 | 151,000 | 151,000 |
| Pretax income | -22,000 | -260,000 | -316,000 | -361,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -22,000 | -260,000 | -316,000 | -361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,060,000 | 5,821,000 | 5,765,000 | 5,721,000 |
| Total capital | 6,342,000 | 6,105,000 | 6,049,000 | 6,005,000 |
| Risk-weighted assets | 23,793,000 | 24,330,000 | 26,286,000 | 26,489,000 |