Call reports 2008
STATE BANK AND TRUST COMPANY — 2008
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 189,738,000 | 199,114,000 | 207,349,000 | 206,761,000 |
| Total loans | 156,558,000 | 167,287,000 | 172,041,000 | 175,023,000 |
| Allowance for loan losses | 1,914,000 | 2,164,000 | 1,840,000 | 1,744,000 |
| Securities available for sale | 0 | 0 | 0 | 1,951,000 |
| Securities held to maturity | 4,004,000 | 4,004,000 | 4,004,000 | 4,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,345,000 | 140,571,000 | 135,501,000 | 129,602,000 |
| Interest-bearing deposits | 91,907,000 | 84,768,000 | 82,353,000 | 77,002,000 |
| Noninterest-bearing deposits | 48,438,000 | 55,803,000 | 53,148,000 | 52,600,000 |
| Equity capital | 25,115,000 | 24,349,000 | 23,817,000 | 23,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,750,000 | 6,257,000 | 9,138,000 | 12,097,000 |
| Interest expense | 988,000 | 1,834,000 | 2,672,000 | 3,451,000 |
| Net interest income | 2,762,000 | 4,423,000 | 6,466,000 | 8,646,000 |
| Noninterest income | 224,000 | 596,000 | 819,000 | 998,000 |
| Noninterest expense | 1,614,000 | 3,197,000 | 4,680,000 | 6,044,000 |
| Provision for loan losses | 0 | 250,000 | 1,426,000 | 2,666,000 |
| Pretax income | 1,372,000 | 1,572,000 | 1,179,000 | 934,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,372,000 | 1,572,000 | 1,179,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,736,000 | 17,234,000 | 16,773,000 | 16,437,000 |
| Total capital | 19,650,000 | 19,398,000 | 18,613,000 | 18,181,000 |
| Risk-weighted assets | 155,047,000 | 181,058,000 | 170,006,000 | 169,619,000 |