Call reports 2008
STATE BANK & TRUST CO. — 2008
What STATE BANK & TRUST CO. 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 | 132,354,000 | 118,388,000 | 121,867,000 | 121,792,000 |
| Total loans | 68,209,000 | 67,481,000 | 69,585,000 | 70,877,000 |
| Allowance for loan losses | 771,000 | 734,000 | 739,000 | 788,000 |
| Securities available for sale | 40,468,000 | 41,416,000 | 39,317,000 | 38,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,554,000 | 96,958,000 | 100,411,000 | 94,704,000 |
| Interest-bearing deposits | 99,297,000 | 85,100,000 | 88,688,000 | 79,640,000 |
| Noninterest-bearing deposits | 11,257,000 | 11,858,000 | 11,723,000 | 15,064,000 |
| Equity capital | 12,016,000 | 11,772,000 | 11,645,000 | 12,205,000 |
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 | 1,567,000 | 3,122,000 | 4,687,000 | 6,287,000 |
| Interest expense | 664,000 | 1,235,000 | 1,759,000 | 2,242,000 |
| Net interest income | 903,000 | 1,887,000 | 2,928,000 | 4,045,000 |
| Noninterest income | 167,000 | 355,000 | 542,000 | 752,000 |
| Noninterest expense | 451,000 | 925,000 | 1,384,000 | 1,904,000 |
| Provision for loan losses | 10,000 | 10,000 | 13,000 | 63,000 |
| Pretax income | 609,000 | 1,302,000 | 1,649,000 | 2,367,000 |
| Income tax | 162,000 | 355,000 | 420,000 | 629,000 |
| Net income | 447,000 | 947,000 | 1,229,000 | 1,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,837,000 | 12,037,000 | 12,020,000 | 12,229,000 |
| Total capital | 12,708,000 | 12,873,000 | 12,862,000 | 13,121,000 |
| Risk-weighted assets | 95,816,000 | 93,159,000 | 97,702,000 | 97,644,000 |