Call reports 2006
STATE BANK AND TRUST COMPANY — 2006
What STATE BANK AND 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 | 757,147,000 | 788,642,000 | 823,433,000 | 833,768,000 |
| Total loans | 584,829,000 | 616,821,000 | 632,987,000 | 642,715,000 |
| Allowance for loan losses | 7,322,000 | 9,814,000 | 9,364,000 | 8,532,000 |
| Securities available for sale | 90,110,000 | 83,445,000 | 100,884,000 | 90,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 604,984,000 | 622,181,000 | 608,681,000 | 652,825,000 |
| Interest-bearing deposits | 538,025,000 | 549,992,000 | 542,530,000 | 587,242,000 |
| Noninterest-bearing deposits | 66,959,000 | 72,189,000 | 66,151,000 | 65,583,000 |
| Equity capital | 83,100,000 | 91,364,000 | 90,545,000 | 90,046,000 |
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 | 13,183,000 | 27,534,000 | 42,373,000 | 57,666,000 |
| Interest expense | 4,085,000 | 8,832,000 | 14,042,000 | 19,851,000 |
| Net interest income | 9,098,000 | 18,702,000 | 28,331,000 | 37,815,000 |
| Noninterest income | 1,409,000 | 7,157,000 | 8,602,000 | 10,629,000 |
| Noninterest expense | 6,590,000 | 13,658,000 | 20,761,000 | 28,870,000 |
| Provision for loan losses | 300,000 | 4,625,000 | 4,625,000 | 4,735,000 |
| Pretax income | 3,617,000 | 7,565,000 | 11,535,000 | 14,827,000 |
| Income tax | 1,326,000 | 2,787,000 | 4,224,000 | 5,291,000 |
| Net income | 2,291,000 | 4,778,000 | 7,311,000 | 9,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,743,000 | 72,645,000 | 71,314,000 | 70,418,000 |
| Total capital | 78,065,000 | 80,991,000 | 79,797,000 | 78,950,000 |
| Risk-weighted assets | 643,036,000 | 666,242,000 | 684,387,000 | 682,521,000 |