Call reports 2011
STATE BANK & TRUST CO. — 2011
What STATE BANK & TRUST CO. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 145,811,000 | 147,253,000 | 156,249,000 | 148,839,000 |
| Total loans | 76,187,000 | 78,043,000 | 80,427,000 | 82,787,000 |
| Allowance for loan losses | 1,162,000 | 1,556,000 | 1,559,000 | 1,531,000 |
| Securities available for sale | 45,819,000 | 48,077,000 | 47,896,000 | 45,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,287,000 | 117,041,000 | 116,399,000 | 116,750,000 |
| Interest-bearing deposits | 100,906,000 | 100,132,000 | 100,626,000 | 97,361,000 |
| Noninterest-bearing deposits | 15,381,000 | 16,909,000 | 15,773,000 | 19,389,000 |
| Equity capital | 14,567,000 | 14,971,000 | 15,482,000 | 15,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,471,000 | 2,963,000 | 4,446,000 | 5,911,000 |
| Interest expense | 290,000 | 579,000 | 855,000 | 1,121,000 |
| Net interest income | 1,181,000 | 2,384,000 | 3,591,000 | 4,790,000 |
| Noninterest income | 190,000 | 363,000 | 523,000 | 730,000 |
| Noninterest expense | 589,000 | 1,191,000 | 1,790,000 | 2,423,000 |
| Provision for loan losses | 0 | 401,000 | 401,000 | 401,000 |
| Pretax income | 785,000 | 1,157,000 | 1,926,000 | 2,762,000 |
| Income tax | 219,000 | 281,000 | 494,000 | 703,000 |
| Net income | 566,000 | 876,000 | 1,432,000 | 2,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,022,000 | 14,032,000 | 14,287,000 | 14,613,000 |
| Total capital | 15,263,000 | 15,272,000 | 15,622,000 | 15,913,000 |
| Risk-weighted assets | 99,289,000 | 98,803,000 | 106,475,000 | 103,661,000 |