Call reports 2008
STATE BANK & TRUST COMPANY — 2008
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Total assets | 103,914,000 | 97,892,000 |
| Total loans | 52,491,000 | 52,636,000 |
| Allowance for loan losses | 1,933,000 | 1,896,000 |
| Securities available for sale | 24,169,000 | 20,364,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 92,807,000 | 87,566,000 |
| Interest-bearing deposits | 77,929,000 | 73,925,000 |
| Noninterest-bearing deposits | 14,878,000 | 13,641,000 |
| Equity capital | 10,397,000 | 9,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Interest income | 1,531,000 | 2,863,000 |
| Interest expense | 704,000 | 1,254,000 |
| Net interest income | 827,000 | 1,609,000 |
| Noninterest income | 211,000 | 428,000 |
| Noninterest expense | 960,000 | 2,067,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 78,000 | -30,000 |
| Income tax | 7,000 | -36,000 |
| Net income | 71,000 | 6,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Tier 1 capital | 9,005,000 | 8,506,000 |
| Total capital | 9,767,000 | 9,256,000 |
| Risk-weighted assets | 59,778,000 | 58,835,000 |