Call reports 2008
STATE BANK & TRUST COMPANY — 2008
What STATE BANK & 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 | 96,590,000 | 96,548,000 | 100,596,000 | 101,936,000 |
| Total loans | 66,113,000 | 67,217,000 | 68,699,000 | 66,883,000 |
| Allowance for loan losses | 682,000 | 679,000 | 650,000 | 648,000 |
| Securities available for sale | 16,279,000 | 16,836,000 | 16,530,000 | 18,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,597,000 | 89,180,000 | 92,771,000 | 94,185,000 |
| Interest-bearing deposits | 59,785,000 | 61,006,000 | 63,438,000 | 63,625,000 |
| Noninterest-bearing deposits | 28,812,000 | 28,174,000 | 29,333,000 | 30,560,000 |
| Equity capital | 7,563,000 | 6,892,000 | 7,152,000 | 7,264,000 |
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 | 1,475,000 | 2,911,000 | 4,353,000 | 5,772,000 |
| Interest expense | 381,000 | 750,000 | 1,099,000 | 1,434,000 |
| Net interest income | 1,094,000 | 2,161,000 | 3,254,000 | 4,338,000 |
| Noninterest income | 139,000 | 306,000 | 467,000 | 608,000 |
| Noninterest expense | 794,000 | 1,662,000 | 2,504,000 | 3,373,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 439,000 | 805,000 | 1,217,000 | 1,573,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 439,000 | 805,000 | 1,217,000 | 1,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,314,000 | 6,995,000 | 7,104,000 | 7,210,000 |
| Total capital | 7,996,000 | 7,674,000 | 7,754,000 | 7,858,000 |
| Risk-weighted assets | 62,826,000 | 63,690,000 | 65,376,000 | 64,244,000 |
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