Call reports 2008
STATE BANK AND TRUST COMPANY, THE — 2008
What STATE BANK AND TRUST COMPANY, THE 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 | 552,258,000 | 556,307,000 | 562,940,000 | 636,537,000 |
| Total loans | 395,310,000 | 407,817,000 | 401,982,000 | 454,904,000 |
| Allowance for loan losses | 4,016,000 | 4,246,000 | 4,057,000 | 5,021,000 |
| Securities available for sale | 94,355,000 | 96,684,000 | 94,413,000 | 102,584,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,683,000 | 409,205,000 | 411,080,000 | 487,409,000 |
| Interest-bearing deposits | 408,181,000 | 394,053,000 | 395,630,000 | 461,962,000 |
| Noninterest-bearing deposits | 15,502,000 | 15,152,000 | 15,450,000 | 25,447,000 |
| Equity capital | 58,128,000 | 58,123,000 | 59,196,000 | 65,062,000 |
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 | 8,151,000 | 16,490,000 | 24,531,000 | 32,745,000 |
| Interest expense | 3,856,000 | 7,314,000 | 10,463,000 | 13,417,000 |
| Net interest income | 4,295,000 | 9,176,000 | 14,068,000 | 19,328,000 |
| Noninterest income | 1,938,000 | 3,785,000 | 6,001,000 | 7,814,000 |
| Noninterest expense | 4,843,000 | 9,683,000 | 14,649,000 | 20,019,000 |
| Provision for loan losses | 200,000 | 425,000 | 575,000 | 725,000 |
| Pretax income | 1,421,000 | 3,084,000 | 4,845,000 | 6,398,000 |
| Income tax | 393,000 | 866,000 | 1,371,000 | 1,796,000 |
| Net income | 1,028,000 | 2,218,000 | 3,474,000 | 4,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,062,000 | 47,357,000 | 48,722,000 | 45,010,000 |
| Total capital | 50,078,000 | 51,604,000 | 52,779,000 | 50,031,000 |
| Risk-weighted assets | 397,492,000 | 407,311,000 | 389,922,000 | 442,933,000 |
Machine access — free, no API key
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