Call reports 2006
STATE BANK & TRUST COMPANY — 2006
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 113,306,000 | 109,986,000 | 107,815,000 | 110,261,000 |
| Total loans | 63,470,000 | 59,511,000 | 56,929,000 | 54,165,000 |
| Allowance for loan losses | 2,700,000 | 1,993,000 | 1,954,000 | 2,155,000 |
| Securities available for sale | 36,481,000 | 35,055,000 | 36,371,000 | 35,241,000 |
| Securities held to maturity | 199,000 | 199,000 | 199,000 | 199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,716,000 | 90,462,000 | 87,625,000 | 90,271,000 |
| Interest-bearing deposits | 79,733,000 | 75,511,000 | 74,206,000 | 77,404,000 |
| Noninterest-bearing deposits | 13,983,000 | 14,951,000 | 13,419,000 | 12,867,000 |
| Equity capital | 10,126,000 | 9,649,000 | 10,185,000 | 10,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,769,000 | 3,473,000 | 5,138,000 | 6,880,000 |
| Interest expense | 701,000 | 1,408,000 | 2,139,000 | 2,915,000 |
| Net interest income | 1,068,000 | 2,065,000 | 2,999,000 | 3,965,000 |
| Noninterest income | 211,000 | 408,000 | 669,000 | 949,000 |
| Noninterest expense | 876,000 | 1,916,000 | 2,964,000 | 3,997,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 253,000 | 257,000 | 254,000 | 317,000 |
| Income tax | 11,000 | -95,000 | -178,000 | -240,000 |
| Net income | 242,000 | 352,000 | 432,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,102,000 | 8,820,000 | 8,968,000 | 8,852,000 |
| Total capital | 10,041,000 | 9,706,000 | 9,830,000 | 9,699,000 |
| Risk-weighted assets | 73,412,000 | 69,822,000 | 67,869,000 | 66,439,000 |