Call reports 2009
STATE BANK AND TRUST COMPANY — 2009
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 220,638,000 | 217,281,000 | 206,737,000 | 206,066,000 |
| Total loans | 179,175,000 | 172,708,000 | 161,841,000 | 165,033,000 |
| Allowance for loan losses | 2,274,000 | 2,423,000 | 2,755,000 | 2,618,000 |
| Securities available for sale | 1,839,000 | 2,006,000 | 7,073,000 | 2,087,000 |
| Securities held to maturity | 2,004,000 | 1,004,000 | 1,003,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,627,000 | 144,720,000 | 134,297,000 | 133,696,000 |
| Interest-bearing deposits | 84,107,000 | 91,222,000 | 83,653,000 | 81,898,000 |
| Noninterest-bearing deposits | 49,520,000 | 53,498,000 | 50,644,000 | 51,798,000 |
| Equity capital | 23,675,000 | 24,418,000 | 24,957,000 | 25,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,873,000 | 5,435,000 | 8,186,000 | 10,634,000 |
| Interest expense | 686,000 | 1,295,000 | 1,865,000 | 2,379,000 |
| Net interest income | 2,187,000 | 4,140,000 | 6,321,000 | 8,255,000 |
| Noninterest income | 159,000 | 378,000 | 591,000 | 821,000 |
| Noninterest expense | 1,501,000 | 2,940,000 | 4,348,000 | 5,843,000 |
| Provision for loan losses | 589,000 | 739,000 | 1,165,000 | 1,290,000 |
| Pretax income | 256,000 | 839,000 | 1,399,000 | 1,943,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 256,000 | 839,000 | 1,399,000 | 1,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,630,000 | 17,153,000 | 17,664,000 | 17,917,000 |
| Total capital | 18,807,000 | 19,210,000 | 19,608,000 | 19,864,000 |
| Risk-weighted assets | 174,050,000 | 164,168,000 | 154,702,000 | 155,084,000 |
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