Call reports 2007
STATE BANK & TRUST COMPANY — 2007
What STATE BANK & 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 | 100,300,000 | 99,396,000 | 97,568,000 | 92,964,000 |
| Total loans | 66,121,000 | 64,507,000 | 63,781,000 | 62,714,000 |
| Allowance for loan losses | 691,000 | 689,000 | 684,000 | 683,000 |
| Securities available for sale | 12,401,000 | 12,977,000 | 14,601,000 | 16,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,005,000 | 92,353,000 | 90,300,000 | 85,782,000 |
| Interest-bearing deposits | 59,672,000 | 58,473,000 | 56,264,000 | 57,365,000 |
| Noninterest-bearing deposits | 33,334,000 | 33,880,000 | 34,036,000 | 28,417,000 |
| Equity capital | 6,764,000 | 6,447,000 | 6,625,000 | 6,802,000 |
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 | 1,418,000 | 2,925,000 | 4,481,000 | 5,979,000 |
| Interest expense | 351,000 | 729,000 | 1,105,000 | 1,470,000 |
| Net interest income | 1,067,000 | 2,196,000 | 3,376,000 | 4,509,000 |
| Noninterest income | 128,000 | 273,000 | 414,000 | 566,000 |
| Noninterest expense | 767,000 | 1,568,000 | 2,349,000 | 3,204,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 428,000 | 901,000 | 1,441,000 | 1,871,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 428,000 | 901,000 | 1,441,000 | 1,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,922,000 | 6,803,000 | 6,854,000 | 6,875,000 |
| Total capital | 7,613,000 | 7,492,000 | 7,538,000 | 7,558,000 |
| Risk-weighted assets | 62,936,000 | 62,408,000 | 61,122,000 | 60,297,000 |
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