Call reports 2010
STATE BANK & TRUST CO. — 2010
What STATE BANK & TRUST CO. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 135,832,000 | 135,439,000 | 143,534,000 | 135,695,000 |
| Total loans | 73,831,000 | 75,865,000 | 76,435,000 | 75,872,000 |
| Allowance for loan losses | 1,445,000 | 1,447,000 | 1,169,000 | 1,167,000 |
| Securities available for sale | 38,881,000 | 39,794,000 | 39,180,000 | 42,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,738,000 | 107,221,000 | 114,998,000 | 104,391,000 |
| Interest-bearing deposits | 93,929,000 | 93,909,000 | 99,598,000 | 89,124,000 |
| Noninterest-bearing deposits | 12,809,000 | 13,312,000 | 15,400,000 | 15,267,000 |
| Equity capital | 13,369,000 | 13,797,000 | 14,318,000 | 14,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,496,000 | 3,005,000 | 4,620,000 | 6,117,000 |
| Interest expense | 334,000 | 647,000 | 983,000 | 1,301,000 |
| Net interest income | 1,162,000 | 2,358,000 | 3,637,000 | 4,816,000 |
| Noninterest income | 173,000 | 364,000 | 541,000 | 769,000 |
| Noninterest expense | 539,000 | 1,082,000 | 1,654,000 | 2,230,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 757,000 | 1,683,000 | 2,615,000 | 3,446,000 |
| Income tax | 213,000 | 489,000 | 759,000 | 981,000 |
| Net income | 544,000 | 1,194,000 | 1,856,000 | 2,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,735,000 | 13,084,000 | 13,447,000 | 13,755,000 |
| Total capital | 13,935,000 | 14,301,000 | 14,691,000 | 14,976,000 |
| Risk-weighted assets | 95,619,000 | 97,046,000 | 99,460,000 | 97,641,000 |