Call reports 2007
STATE BANK & TRUST CO. — 2007
What STATE BANK & TRUST CO. 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 | 121,074,000 | 114,935,000 | 116,990,000 | 107,585,000 |
| Total loans | 62,597,000 | 62,525,000 | 61,931,000 | 65,613,000 |
| Allowance for loan losses | 849,000 | 1,011,000 | 761,000 | 763,000 |
| Securities available for sale | 44,889,000 | 39,486,000 | 35,554,000 | 36,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,940,000 | 100,688,000 | 98,615,000 | 89,145,000 |
| Interest-bearing deposits | 96,842,000 | 90,686,000 | 88,024,000 | 77,493,000 |
| Noninterest-bearing deposits | 10,098,000 | 10,002,000 | 10,591,000 | 11,652,000 |
| Equity capital | 11,374,000 | 11,119,000 | 11,398,000 | 11,689,000 |
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 | 1,525,000 | 3,118,000 | 4,671,000 | 6,242,000 |
| Interest expense | 859,000 | 1,748,000 | 2,531,000 | 3,282,000 |
| Net interest income | 666,000 | 1,370,000 | 2,140,000 | 2,960,000 |
| Noninterest income | 159,000 | 321,000 | 504,000 | 707,000 |
| Noninterest expense | 431,000 | 887,000 | 1,387,000 | 1,827,000 |
| Provision for loan losses | 0 | 152,000 | 109,000 | 109,000 |
| Pretax income | 394,000 | 652,000 | 1,148,000 | 1,731,000 |
| Income tax | 75,000 | 102,000 | 224,000 | 379,000 |
| Net income | 319,000 | 550,000 | 924,000 | 1,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,558,000 | 11,489,000 | 11,562,000 | 11,690,000 |
| Total capital | 12,471,000 | 12,567,000 | 12,438,000 | 12,552,000 |
| Risk-weighted assets | 87,401,000 | 89,471,000 | 91,648,000 | 85,809,000 |