Call reports 2010
STATE BANK AND TRUST COMPANY — 2010
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 919,195,000 | 914,330,000 | 919,455,000 | 916,922,000 |
| Total loans | 639,410,000 | 652,731,000 | 644,613,000 | 627,615,000 |
| Allowance for loan losses | 7,161,000 | 6,982,000 | 7,630,000 | 5,457,000 |
| Securities available for sale | 127,647,000 | 126,577,000 | 123,795,000 | 134,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 739,949,000 | 732,749,000 | 737,390,000 | 734,366,000 |
| Interest-bearing deposits | 692,364,000 | 685,701,000 | 655,154,000 | 647,313,000 |
| Noninterest-bearing deposits | 47,585,000 | 47,048,000 | 82,236,000 | 87,053,000 |
| Equity capital | 109,425,000 | 111,696,000 | 112,034,000 | 108,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 11,630,000 | 23,391,000 | 34,910,000 | 45,987,000 |
| Interest expense | 3,218,000 | 6,405,000 | 9,520,000 | 12,397,000 |
| Net interest income | 8,412,000 | 16,986,000 | 25,390,000 | 33,590,000 |
| Noninterest income | 1,728,000 | 3,540,000 | 5,753,000 | 7,605,000 |
| Noninterest expense | 7,477,000 | 15,060,000 | 22,455,000 | 30,039,000 |
| Provision for loan losses | 628,000 | 1,389,000 | 2,922,000 | 3,754,000 |
| Pretax income | 1,776,000 | 3,479,000 | 5,169,000 | 6,805,000 |
| Income tax | 597,000 | 1,093,000 | 1,452,000 | 1,800,000 |
| Net income | 1,179,000 | 2,386,000 | 3,717,000 | 5,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,036,000 | 81,301,000 | 82,716,000 | 79,280,000 |
| Total capital | 87,197,000 | 88,283,000 | 90,346,000 | 84,737,000 |
| Risk-weighted assets | 696,852,000 | 700,416,000 | 697,950,000 | 688,035,000 |