Call reports 2012
STATE BANK & TRUST COMPANY — 2012
What STATE BANK & 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 | 116,525,000 | 113,077,000 | 115,576,000 | 114,330,000 |
| Total loans | 73,036,000 | 75,728,000 | 74,965,000 | 74,840,000 |
| Allowance for loan losses | 589,000 | 612,000 | 687,000 | 714,000 |
| Securities available for sale | 28,951,000 | 25,946,000 | 26,950,000 | 26,452,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,324,000 | 102,460,000 | 104,614,000 | 103,530,000 |
| Interest-bearing deposits | 73,247,000 | 73,747,000 | 72,884,000 | 73,034,000 |
| Noninterest-bearing deposits | 33,077,000 | 28,713,000 | 31,730,000 | 30,496,000 |
| Equity capital | 9,891,000 | 10,270,000 | 10,495,000 | 10,560,000 |
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 | 1,293,000 | 2,594,000 | 3,887,000 | 5,173,000 |
| Interest expense | 167,000 | 325,000 | 475,000 | 606,000 |
| Net interest income | 1,126,000 | 2,269,000 | 3,412,000 | 4,567,000 |
| Noninterest income | 143,000 | 331,000 | 626,000 | 763,000 |
| Noninterest expense | 889,000 | 1,729,000 | 2,681,000 | 3,523,000 |
| Provision for loan losses | 130,000 | 160,000 | 290,000 | 320,000 |
| Pretax income | 355,000 | 818,000 | 1,273,000 | 1,693,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 355,000 | 818,000 | 1,273,000 | 1,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,558,000 | 9,617,000 | 9,842,000 | 10,059,000 |
| Total capital | 10,147,000 | 10,229,000 | 10,529,000 | 10,773,000 |
| Risk-weighted assets | 74,756,000 | 76,747,000 | 75,398,000 | 75,431,000 |
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