Call reports 2007
STATE BANK AND TRUST COMPANY — 2007
What STATE BANK AND 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 | 822,216,000 | 840,141,000 | 963,100,000 | 968,906,000 |
| Total loans | 635,480,000 | 647,695,000 | 729,768,000 | 747,923,000 |
| Allowance for loan losses | 8,226,000 | 7,647,000 | 8,390,000 | 8,881,000 |
| Securities available for sale | 91,185,000 | 89,188,000 | 120,571,000 | 99,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 669,696,000 | 667,048,000 | 738,008,000 | 728,758,000 |
| Interest-bearing deposits | 604,496,000 | 598,245,000 | 663,253,000 | 647,805,000 |
| Noninterest-bearing deposits | 65,200,000 | 68,803,000 | 74,755,000 | 80,953,000 |
| Equity capital | 92,347,000 | 93,497,000 | 114,602,000 | 112,416,000 |
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 | 14,982,000 | 30,170,000 | 47,667,000 | 64,676,000 |
| Interest expense | 5,886,000 | 12,122,000 | 19,448,000 | 26,651,000 |
| Net interest income | 9,096,000 | 18,048,000 | 28,219,000 | 38,025,000 |
| Noninterest income | 1,472,000 | 3,526,000 | 5,129,000 | 6,683,000 |
| Noninterest expense | 7,151,000 | 14,484,000 | 22,578,000 | 31,073,000 |
| Provision for loan losses | 75,000 | 580,000 | 580,000 | 1,980,000 |
| Pretax income | 3,342,000 | 6,510,000 | 10,190,000 | 11,670,000 |
| Income tax | 1,215,000 | 2,319,000 | 3,643,000 | 3,655,000 |
| Net income | 2,127,000 | 4,191,000 | 6,547,000 | 8,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,414,000 | 75,513,000 | 85,861,000 | 83,008,000 |
| Total capital | 81,640,000 | 83,160,000 | 94,251,000 | 91,889,000 |
| Risk-weighted assets | 678,851,000 | 711,058,000 | 779,718,000 | 797,219,000 |