Call reports 2007
STATE BANK & TRUST COMPANY — 2007
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 104,401,000 | 103,516,000 | 104,683,000 | 107,039,000 |
| Total loans | 51,975,000 | 52,569,000 | 52,489,000 | 52,524,000 |
| Allowance for loan losses | 2,292,000 | 2,272,000 | 2,299,000 | 1,993,000 |
| Securities available for sale | 38,493,000 | 38,664,000 | 41,605,000 | 32,269,000 |
| Securities held to maturity | 200,000 | 100,000 | 100,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,124,000 | 93,089,000 | 93,808,000 | 95,999,000 |
| Interest-bearing deposits | 77,772,000 | 79,384,000 | 79,758,000 | 83,287,000 |
| Noninterest-bearing deposits | 13,352,000 | 13,705,000 | 14,050,000 | 12,712,000 |
| Equity capital | 10,119,000 | 9,853,000 | 10,284,000 | 10,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,616,000 | 3,253,000 | 4,904,000 | 6,592,000 |
| Interest expense | 802,000 | 1,600,000 | 2,408,000 | 3,191,000 |
| Net interest income | 814,000 | 1,653,000 | 2,496,000 | 3,401,000 |
| Noninterest income | 172,000 | 386,000 | 561,000 | 894,000 |
| Noninterest expense | 1,012,000 | 2,047,000 | 2,785,000 | 3,997,000 |
| Provision for loan losses | 110,000 | 140,000 | 160,000 | 160,000 |
| Pretax income | -136,000 | 31,000 | 291,000 | 358,000 |
| Income tax | -86,000 | -97,000 | -46,000 | -41,000 |
| Net income | -50,000 | 128,000 | 337,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,751,000 | 8,923,000 | 9,077,000 | 8,933,000 |
| Total capital | 9,565,000 | 9,704,000 | 9,858,000 | 9,710,000 |
| Risk-weighted assets | 63,674,000 | 61,023,000 | 60,999,000 | 60,973,000 |