Call reports 2012
STATE BANK AND TRUST COMPANY — 2012
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,678,317,000 | 2,672,167,000 | 2,643,592,000 | 2,662,708,000 |
| Total loans | 1,550,512,000 | 1,570,479,000 | 1,492,466,000 | 1,465,068,000 |
| Allowance for loan losses | 67,768,000 | 80,663,000 | 60,741,000 | 70,138,000 |
| Securities available for sale | 322,832,000 | 280,662,000 | 311,323,000 | 303,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,204,395,000 | 2,180,623,000 | 2,160,328,000 | 2,183,485,000 |
| Interest-bearing deposits | 1,875,907,000 | 1,821,922,000 | 1,756,536,000 | 1,760,986,000 |
| Noninterest-bearing deposits | 328,488,000 | 358,701,000 | 403,792,000 | 422,499,000 |
| Equity capital | 392,449,000 | 404,010,000 | 391,515,000 | 394,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 38,329,000 | 87,269,000 | 123,703,000 | 169,146,000 |
| Interest expense | 2,851,000 | 5,418,000 | 7,652,000 | 9,749,000 |
| Net interest income | 35,478,000 | 81,851,000 | 116,051,000 | 159,397,000 |
| Noninterest income | 2,468,000 | 12,096,000 | 38,122,000 | 20,605,000 |
| Noninterest expense | 34,342,000 | 55,813,000 | 82,979,000 | 88,421,000 |
| Provision for loan losses | -4,840,000 | 11,797,000 | 40,049,000 | 55,671,000 |
| Pretax income | 8,444,000 | 26,337,000 | 31,239,000 | 36,228,000 |
| Income tax | 3,175,000 | 9,902,000 | 11,259,000 | 12,793,000 |
| Net income | 5,269,000 | 16,435,000 | 19,980,000 | 23,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 381,589,000 | 392,933,000 | 375,143,000 | 372,308,000 |
| Total capital | 397,337,000 | 409,980,000 | 392,870,000 | 390,402,000 |
| Risk-weighted assets | 1,207,879,000 | 1,300,206,000 | 1,375,186,000 | 1,395,462,000 |