Call reports 2007
STATE BANK AND TRUST COMPANY — 2007
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 194,994,000 | 193,728,000 | 196,820,000 | 187,396,000 |
| Total loans | 158,918,000 | 162,500,000 | 159,160,000 | 155,978,000 |
| Allowance for loan losses | 1,814,000 | 1,763,000 | 1,913,000 | 1,914,000 |
| Securities available for sale | 0 | 0 | 4,994,000 | 0 |
| Securities held to maturity | 5,271,000 | 6,287,000 | 5,004,000 | 4,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,259,000 | 150,033,000 | 142,001,000 | 140,122,000 |
| Interest-bearing deposits | 101,205,000 | 89,974,000 | 84,134,000 | 87,350,000 |
| Noninterest-bearing deposits | 57,054,000 | 60,059,000 | 57,867,000 | 52,772,000 |
| Equity capital | 23,679,000 | 23,872,000 | 24,028,000 | 24,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,509,000 | 7,092,000 | 10,664,000 | 14,155,000 |
| Interest expense | 982,000 | 2,014,000 | 3,041,000 | 4,129,000 |
| Net interest income | 2,527,000 | 5,078,000 | 7,623,000 | 10,026,000 |
| Noninterest income | 227,000 | 541,000 | 835,000 | 1,224,000 |
| Noninterest expense | 1,584,000 | 3,033,000 | 4,582,000 | 6,170,000 |
| Provision for loan losses | -15,000 | 135,000 | 285,000 | 285,000 |
| Pretax income | 1,197,000 | 2,463,000 | 3,603,000 | 4,807,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,197,000 | 2,463,000 | 3,603,000 | 4,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,261,000 | 16,551,000 | 16,788,000 | 16,971,000 |
| Total capital | 18,075,000 | 18,314,000 | 18,701,000 | 18,885,000 |
| Risk-weighted assets | 150,555,000 | 154,110,000 | 155,094,000 | 159,893,000 |