Call reports 2012
STATE BANK AND TRUST COMPANY, THE — 2012
What STATE BANK AND TRUST COMPANY, THE 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 | 641,612,000 | 629,168,000 | 627,625,000 | 636,428,000 |
| Total loans | 451,277,000 | 462,611,000 | 466,534,000 | 469,488,000 |
| Allowance for loan losses | 6,309,000 | 6,619,000 | 6,696,000 | 6,811,000 |
| Securities available for sale | 110,580,000 | 102,514,000 | 101,224,000 | 98,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 52,000 | 149,000 | 171,000 | 254,000 |
| Total deposits | 536,621,000 | 521,017,000 | 517,505,000 | 527,998,000 |
| Interest-bearing deposits | 516,313,000 | 503,009,000 | 499,382,000 | 508,846,000 |
| Noninterest-bearing deposits | 20,308,000 | 18,008,000 | 18,123,000 | 19,152,000 |
| Equity capital | 69,995,000 | 70,197,000 | 72,312,000 | 71,024,000 |
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 | 6,508,000 | 13,210,000 | 19,879,000 | 26,235,000 |
| Interest expense | 996,000 | 1,899,000 | 2,697,000 | 3,445,000 |
| Net interest income | 5,512,000 | 11,311,000 | 17,182,000 | 22,790,000 |
| Noninterest income | 3,033,000 | 5,764,000 | 8,779,000 | 12,687,000 |
| Noninterest expense | 6,447,000 | 12,529,000 | 18,596,000 | 24,974,000 |
| Provision for loan losses | 451,000 | 651,000 | 953,000 | 1,354,000 |
| Pretax income | 1,647,000 | 3,895,000 | 6,412,000 | 9,149,000 |
| Income tax | 464,000 | 1,132,000 | 1,874,000 | 2,717,000 |
| Net income | 1,183,000 | 2,763,000 | 4,538,000 | 6,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,165,000 | 50,302,000 | 52,225,000 | 51,244,000 |
| Total capital | 55,804,000 | 56,048,000 | 58,077,000 | 57,138,000 |
| Risk-weighted assets | 450,485,000 | 458,771,000 | 467,341,000 | 470,589,000 |