Call reports 2009
STATE BANK AND TRUST COMPANY, THE — 2009
What STATE BANK AND TRUST COMPANY, THE 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 | 644,098,000 | 639,188,000 | 652,894,000 | 652,867,000 |
| Total loans | 443,301,000 | 454,094,000 | 459,762,000 | 469,813,000 |
| Allowance for loan losses | 5,349,000 | 5,873,000 | 5,934,000 | 7,030,000 |
| Securities available for sale | 126,521,000 | 109,965,000 | 111,539,000 | 105,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,111,000 | 475,102,000 | 493,694,000 | 493,514,000 |
| Interest-bearing deposits | 473,020,000 | 457,977,000 | 476,660,000 | 472,434,000 |
| Noninterest-bearing deposits | 16,091,000 | 17,125,000 | 17,034,000 | 21,080,000 |
| Equity capital | 66,669,000 | 66,376,000 | 68,021,000 | 66,152,000 |
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 | 8,158,000 | 16,450,000 | 24,663,000 | 32,680,000 |
| Interest expense | 2,719,000 | 5,220,000 | 7,636,000 | 9,888,000 |
| Net interest income | 5,439,000 | 11,230,000 | 17,027,000 | 22,792,000 |
| Noninterest income | 2,448,000 | 4,965,000 | 7,263,000 | 9,771,000 |
| Noninterest expense | 6,303,000 | 12,803,000 | 19,038,000 | 25,495,000 |
| Provision for loan losses | 500,000 | 1,300,000 | 2,200,000 | 5,747,000 |
| Pretax income | 1,138,000 | 2,570,000 | 3,480,000 | 2,281,000 |
| Income tax | 275,000 | 657,000 | 841,000 | 219,000 |
| Net income | 863,000 | 1,913,000 | 2,639,000 | 2,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,396,000 | 45,950,000 | 46,218,000 | 45,177,000 |
| Total capital | 50,745,000 | 51,522,000 | 51,953,000 | 50,923,000 |
| Risk-weighted assets | 438,871,000 | 445,467,000 | 458,625,000 | 458,428,000 |