Call reports 2008
STATE BANK AND TRUST COMPANY — 2008
What STATE BANK AND 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 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 961,867,000 | 965,267,000 | 954,786,000 | 938,552,000 |
| Total loans | 745,002,000 | 742,935,000 | 733,359,000 | 713,169,000 |
| Allowance for loan losses | 7,898,000 | 7,223,000 | 5,997,000 | 16,628,000 |
| Securities available for sale | 94,993,000 | 100,980,000 | 97,078,000 | 106,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 744,690,000 | 719,806,000 | 736,558,000 | 722,812,000 |
| Interest-bearing deposits | 667,605,000 | 676,254,000 | 690,697,000 | 681,009,000 |
| Noninterest-bearing deposits | 77,085,000 | 43,552,000 | 45,862,000 | 41,803,000 |
| Equity capital | 115,248,000 | 113,670,000 | 113,985,000 | 106,642,000 |
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 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 16,545,000 | 32,362,000 | 47,781,000 | 61,947,000 |
| Interest expense | 6,893,000 | 13,187,000 | 18,977,000 | 24,251,000 |
| Net interest income | 9,652,000 | 19,175,000 | 28,804,000 | 37,696,000 |
| Noninterest income | 1,471,000 | 3,075,000 | 5,047,000 | 7,326,000 |
| Noninterest expense | 7,614,000 | 15,396,000 | 23,611,000 | 31,145,000 |
| Provision for loan losses | 500,000 | 3,244,000 | 4,950,000 | 17,687,000 |
| Pretax income | 3,013,000 | 3,620,000 | 5,301,000 | -4,279,000 |
| Income tax | 1,125,000 | 1,228,000 | 1,775,000 | -2,973,000 |
| Net income | 1,888,000 | 2,392,000 | 3,526,000 | -1,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,778,000 | 85,549,000 | 86,299,000 | 78,014,000 |
| Total capital | 92,676,000 | 92,772,000 | 92,296,000 | 87,615,000 |
| Risk-weighted assets | 807,695,000 | 801,327,000 | 786,173,000 | 761,019,000 |