Call reports 2012
STATE BANK & TRUST CO. — 2012
What STATE BANK & TRUST CO. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 156,206,000 | 152,127,000 | 150,025,000 | 151,859,000 |
| Total loans | 83,368,000 | 82,084,000 | 82,477,000 | 82,368,000 |
| Allowance for loan losses | 1,580,000 | 1,578,000 | 1,573,000 | 1,573,000 |
| Securities available for sale | 46,467,000 | 48,291,000 | 48,229,000 | 50,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,398,000 | 125,317,000 | 121,382,000 | 122,302,000 |
| Interest-bearing deposits | 109,681,000 | 107,507,000 | 103,608,000 | 99,107,000 |
| Noninterest-bearing deposits | 18,717,000 | 17,810,000 | 17,774,000 | 23,194,000 |
| Equity capital | 15,971,000 | 16,310,000 | 16,763,000 | 16,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,451,000 | 2,864,000 | 4,261,000 | 5,610,000 |
| Interest expense | 252,000 | 485,000 | 702,000 | 902,000 |
| Net interest income | 1,199,000 | 2,379,000 | 3,559,000 | 4,708,000 |
| Noninterest income | 167,000 | 332,000 | 518,000 | 789,000 |
| Noninterest expense | 601,000 | 1,157,000 | 1,742,000 | 2,435,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 759,000 | 1,548,000 | 2,329,000 | 3,056,000 |
| Income tax | 211,000 | 433,000 | 652,000 | 848,000 |
| Net income | 548,000 | 1,115,000 | 1,677,000 | 2,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,862,000 | 15,129,000 | 15,392,000 | 15,623,000 |
| Total capital | 16,183,000 | 16,424,000 | 16,713,000 | 16,970,000 |
| Risk-weighted assets | 105,349,000 | 103,202,000 | 105,277,000 | 107,469,000 |