Call reports 2009
STATE BANK AND TRUST COMPANY — 2009
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 957,227,000 | 952,378,000 | 936,534,000 | 906,286,000 |
| Total loans | 710,014,000 | 696,479,000 | 678,999,000 | 652,211,000 |
| Allowance for loan losses | 14,856,000 | 9,150,000 | 9,048,000 | 7,470,000 |
| Securities available for sale | 129,054,000 | 124,822,000 | 128,376,000 | 119,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 735,030,000 | 750,065,000 | 753,384,000 | 724,292,000 |
| Interest-bearing deposits | 680,888,000 | 709,508,000 | 716,719,000 | 682,602,000 |
| Noninterest-bearing deposits | 54,142,000 | 40,557,000 | 36,665,000 | 41,690,000 |
| Equity capital | 108,039,000 | 109,148,000 | 111,805,000 | 107,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 13,556,000 | 26,380,000 | 39,002,000 | 51,247,000 |
| Interest expense | 4,773,000 | 9,264,000 | 13,707,000 | 17,361,000 |
| Net interest income | 8,783,000 | 17,116,000 | 25,295,000 | 33,886,000 |
| Noninterest income | 1,483,000 | 3,539,000 | 5,375,000 | 7,327,000 |
| Noninterest expense | 7,540,000 | 15,544,000 | 23,317,000 | 31,120,000 |
| Provision for loan losses | 850,000 | 890,000 | 1,418,000 | 1,739,000 |
| Pretax income | 1,876,000 | 3,581,000 | 5,244,000 | 7,417,000 |
| Income tax | 645,000 | 1,241,000 | 1,798,000 | 2,599,000 |
| Net income | 1,231,000 | 2,340,000 | 3,446,000 | 4,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,796,000 | 80,970,000 | 82,144,000 | 78,804,000 |
| Total capital | 89,420,000 | 90,114,000 | 91,136,000 | 86,274,000 |
| Risk-weighted assets | 770,046,000 | 755,705,000 | 729,737,000 | 693,120,000 |