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 | 75,881,000 | 72,625,000 | 72,680,000 | 75,309,000 |
| Total loans | 19,649,000 | 20,700,000 | 20,352,000 | 21,735,000 |
| Allowance for loan losses | 484,000 | 484,000 | 484,000 | 484,000 |
| Securities available for sale | 10,689,000 | 7,923,000 | 8,916,000 | 9,925,000 |
| Securities held to maturity | 663,000 | 662,000 | 561,000 | 561,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,140,000 | 66,736,000 | 66,039,000 | 68,538,000 |
| Interest-bearing deposits | 55,277,000 | 49,990,000 | 51,727,000 | 53,472,000 |
| Noninterest-bearing deposits | 14,863,000 | 16,746,000 | 14,312,000 | 15,066,000 |
| Equity capital | 5,585,000 | 5,734,000 | 6,089,000 | 6,419,000 |
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 | 884,000 | 1,818,000 | 2,783,000 | 3,852,000 |
| Interest expense | 358,000 | 734,000 | 1,142,000 | 1,604,000 |
| Net interest income | 526,000 | 1,084,000 | 1,641,000 | 2,248,000 |
| Noninterest income | 220,000 | 444,000 | 672,000 | 892,000 |
| Noninterest expense | 464,000 | 918,000 | 1,387,000 | 1,893,000 |
| Provision for loan losses | -4,000 | -2,000 | 0 | 0 |
| Pretax income | 286,000 | 612,000 | 926,000 | 1,247,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 286,000 | 612,000 | 926,000 | 1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,676,000 | 5,801,000 | 6,116,000 | 6,438,000 |
| Total capital | 6,026,000 | 6,160,000 | 6,467,000 | 6,806,000 |
| Risk-weighted assets | 27,862,000 | 28,630,000 | 27,985,000 | 29,463,000 |