Call reports 2009
STATE BANK & TRUST COMPANY — 2009
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 105,057,000 | 107,754,000 | 105,411,000 | 100,352,000 |
| Total loans | 70,764,000 | 73,343,000 | 71,864,000 | 74,190,000 |
| Allowance for loan losses | 644,000 | 663,000 | 696,000 | 725,000 |
| Securities available for sale | 17,988,000 | 17,084,000 | 16,024,000 | 14,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,727,000 | 99,359,000 | 96,748,000 | 87,359,000 |
| Interest-bearing deposits | 64,942,000 | 66,620,000 | 69,789,000 | 64,645,000 |
| Noninterest-bearing deposits | 31,785,000 | 32,739,000 | 26,959,000 | 22,714,000 |
| Equity capital | 7,829,000 | 7,850,000 | 8,117,000 | 8,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,387,000 | 2,850,000 | 4,323,000 | 5,710,000 |
| Interest expense | 305,000 | 602,000 | 895,000 | 1,171,000 |
| Net interest income | 1,082,000 | 2,248,000 | 3,428,000 | 4,539,000 |
| Noninterest income | 134,000 | 280,000 | 437,000 | 598,000 |
| Noninterest expense | 845,000 | 1,758,000 | 2,635,000 | 3,579,000 |
| Provision for loan losses | 0 | 19,000 | 55,000 | 86,000 |
| Pretax income | 371,000 | 751,000 | 1,175,000 | 1,472,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 371,000 | 751,000 | 1,175,000 | 1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,581,000 | 7,527,000 | 7,697,000 | 7,792,000 |
| Total capital | 8,225,000 | 8,190,000 | 8,393,000 | 8,517,000 |
| Risk-weighted assets | 69,432,000 | 71,740,000 | 70,470,000 | 71,694,000 |
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