Call reports 2006
STATE BANK AND TRUST COMPANY — 2006
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 180,020,000 | 196,542,000 | 194,237,000 | 206,838,000 |
| Total loans | 151,821,000 | 163,332,000 | 160,147,000 | 163,140,000 |
| Allowance for loan losses | 1,584,000 | 1,668,000 | 1,830,000 | 1,861,000 |
| Securities available for sale | 0 | 0 | 4,992,000 | 0 |
| Securities held to maturity | 4,003,000 | 4,004,000 | 4,005,000 | 4,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,420,000 | 144,061,000 | 151,068,000 | 163,550,000 |
| Interest-bearing deposits | 78,367,000 | 83,017,000 | 90,115,000 | 94,807,000 |
| Noninterest-bearing deposits | 57,053,000 | 61,044,000 | 60,953,000 | 68,743,000 |
| Equity capital | 22,131,000 | 22,478,000 | 22,799,000 | 23,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,834,000 | 6,177,000 | 9,675,000 | 13,253,000 |
| Interest expense | 666,000 | 1,609,000 | 2,603,000 | 3,560,000 |
| Net interest income | 2,168,000 | 4,568,000 | 7,072,000 | 9,693,000 |
| Noninterest income | 207,000 | 478,000 | 698,000 | 906,000 |
| Noninterest expense | 1,342,000 | 2,873,000 | 3,829,000 | 5,310,000 |
| Provision for loan losses | 90,000 | 173,000 | 323,000 | 348,000 |
| Pretax income | 943,000 | 2,000,000 | 3,618,000 | 4,941,000 |
| Income tax | 14,000 | 28,000 | 42,000 | 56,000 |
| Net income | 929,000 | 1,972,000 | 3,576,000 | 4,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,325,000 | 14,834,000 | 15,176,000 | 15,546,000 |
| Total capital | 15,909,000 | 16,502,000 | 17,006,000 | 17,407,000 |
| Risk-weighted assets | 147,304,000 | 158,415,000 | 156,719,000 | 161,147,000 |
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