Call reports 2012
STATE BANK AND TRUST COMPANY — 2012
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 909,814,000 | 908,875,000 | 940,360,000 | 943,422,000 |
| Total loans | 650,632,000 | 677,375,000 | 672,775,000 | 678,102,000 |
| Allowance for loan losses | 6,979,000 | 6,831,000 | 6,946,000 | 7,522,000 |
| Securities available for sale | 116,924,000 | 108,711,000 | 114,242,000 | 117,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 730,863,000 | 727,988,000 | 757,872,000 | 761,285,000 |
| Interest-bearing deposits | 675,745,000 | 681,562,000 | 710,606,000 | 706,933,000 |
| Noninterest-bearing deposits | 55,118,000 | 46,426,000 | 47,267,000 | 54,352,000 |
| Equity capital | 109,301,000 | 110,668,000 | 112,126,000 | 106,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 10,116,000 | 20,170,000 | 30,331,000 | 40,337,000 |
| Interest expense | 2,174,000 | 4,210,000 | 6,141,000 | 8,038,000 |
| Net interest income | 7,942,000 | 15,960,000 | 24,190,000 | 32,299,000 |
| Noninterest income | 1,234,000 | 2,908,000 | 4,818,000 | 6,593,000 |
| Noninterest expense | 6,860,000 | 13,934,000 | 21,137,000 | 28,323,000 |
| Provision for loan losses | 443,000 | 936,000 | 1,825,000 | 2,786,000 |
| Pretax income | 1,874,000 | 4,002,000 | 6,050,000 | 7,787,000 |
| Income tax | 652,000 | 1,246,000 | 1,908,000 | 2,244,000 |
| Net income | 1,222,000 | 2,756,000 | 4,142,000 | 5,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,796,000 | 82,396,000 | 83,312,000 | 77,359,000 |
| Total capital | 87,775,000 | 89,227,000 | 90,258,000 | 84,881,000 |
| Risk-weighted assets | 720,853,000 | 739,459,000 | 738,478,000 | 754,237,000 |