Call reports 2009
STATE BANK & TRUST CO. — 2009
What STATE BANK & TRUST CO. 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 | 125,476,000 | 133,095,000 | 136,162,000 | 134,947,000 |
| Total loans | 70,639,000 | 69,953,000 | 72,990,000 | 76,432,000 |
| Allowance for loan losses | 1,015,000 | 1,012,000 | 1,213,000 | 1,348,000 |
| Securities available for sale | 34,197,000 | 37,216,000 | 39,366,000 | 39,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,517,000 | 106,818,000 | 108,659,000 | 110,709,000 |
| Interest-bearing deposits | 90,698,000 | 94,952,000 | 96,467,000 | 93,185,000 |
| Noninterest-bearing deposits | 11,819,000 | 11,866,000 | 12,192,000 | 17,524,000 |
| Equity capital | 12,376,000 | 12,718,000 | 13,127,000 | 13,084,000 |
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 | 1,521,000 | 3,046,000 | 4,482,000 | 6,007,000 |
| Interest expense | 419,000 | 830,000 | 1,222,000 | 1,590,000 |
| Net interest income | 1,102,000 | 2,216,000 | 3,260,000 | 4,417,000 |
| Noninterest income | 183,000 | 376,000 | 431,000 | 349,000 |
| Noninterest expense | 564,000 | 1,086,000 | 1,615,000 | 2,227,000 |
| Provision for loan losses | 225,000 | 230,000 | 430,000 | 580,000 |
| Pretax income | 443,000 | 1,166,000 | 1,536,000 | 1,849,000 |
| Income tax | 99,000 | 299,000 | 366,000 | 387,000 |
| Net income | 344,000 | 867,000 | 1,170,000 | 1,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,273,000 | 12,495,000 | 12,499,000 | 12,491,000 |
| Total capital | 13,394,000 | 13,614,000 | 13,705,000 | 13,740,000 |
| Risk-weighted assets | 93,896,000 | 91,897,000 | 96,364,000 | 99,757,000 |