Call reports 2007
STATE BANK AND TRUST COMPANY, THE — 2007
What STATE BANK AND TRUST COMPANY, THE 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 | 529,223,000 | 527,545,000 | 544,870,000 | 541,357,000 |
| Total loans | 375,070,000 | 383,234,000 | 389,396,000 | 391,947,000 |
| Allowance for loan losses | 3,769,000 | 3,824,000 | 3,936,000 | 3,990,000 |
| Securities available for sale | 97,094,000 | 93,322,000 | 102,737,000 | 92,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,330,000 | 415,004,000 | 419,756,000 | 413,170,000 |
| Interest-bearing deposits | 403,221,000 | 401,142,000 | 399,315,000 | 391,452,000 |
| Noninterest-bearing deposits | 18,109,000 | 13,862,000 | 20,441,000 | 21,718,000 |
| Equity capital | 55,063,000 | 54,976,000 | 56,212,000 | 57,349,000 |
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 | 8,070,000 | 16,339,000 | 24,721,000 | 33,158,000 |
| Interest expense | 3,940,000 | 7,936,000 | 12,148,000 | 16,300,000 |
| Net interest income | 4,130,000 | 8,403,000 | 12,573,000 | 16,858,000 |
| Noninterest income | 2,416,000 | 4,273,000 | 6,042,000 | 7,917,000 |
| Noninterest expense | 5,495,000 | 10,206,000 | 15,010,000 | 19,691,000 |
| Provision for loan losses | 100,000 | 250,000 | 400,000 | 550,000 |
| Pretax income | 951,000 | 2,220,000 | 3,205,000 | 4,536,000 |
| Income tax | 244,000 | 595,000 | 866,000 | 1,263,000 |
| Net income | 707,000 | 1,625,000 | 2,339,000 | 3,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,536,000 | 44,265,000 | 44,789,000 | 45,536,000 |
| Total capital | 47,327,000 | 48,089,000 | 48,725,000 | 49,526,000 |
| Risk-weighted assets | 377,131,000 | 383,595,000 | 393,336,000 | 390,983,000 |