Call reports 2010
STATE BANK AND TRUST COMPANY — 2010
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 194,860,000 | 189,550,000 | 192,828,000 | 195,544,000 |
| Total loans | 153,692,000 | 153,458,000 | 159,932,000 | 158,763,000 |
| Allowance for loan losses | 2,541,000 | 2,695,000 | 2,674,000 | 2,685,000 |
| Securities available for sale | 2,101,000 | 2,111,000 | 2,134,000 | 2,113,000 |
| Securities held to maturity | 3,000 | 3,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,579,000 | 117,242,000 | 134,392,000 | 146,799,000 |
| Interest-bearing deposits | 76,153,000 | 66,650,000 | 84,193,000 | 92,311,000 |
| Noninterest-bearing deposits | 46,426,000 | 50,592,000 | 50,199,000 | 54,488,000 |
| Equity capital | 25,255,000 | 25,410,000 | 25,527,000 | 25,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,402,000 | 4,800,000 | 7,229,000 | 9,554,000 |
| Interest expense | 460,000 | 892,000 | 1,302,000 | 1,722,000 |
| Net interest income | 1,942,000 | 3,908,000 | 5,927,000 | 7,832,000 |
| Noninterest income | 124,000 | 329,000 | 556,000 | 798,000 |
| Noninterest expense | 1,483,000 | 2,949,000 | 4,395,000 | 5,792,000 |
| Provision for loan losses | 150,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 433,000 | 988,000 | 1,788,000 | 2,538,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 433,000 | 988,000 | 1,788,000 | 2,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,917,000 | 18,108,000 | 18,279,000 | 18,429,000 |
| Total capital | 19,780,000 | 19,957,000 | 20,168,000 | 20,344,000 |
| Risk-weighted assets | 148,366,000 | 147,053,000 | 150,353,000 | 152,463,000 |
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