Call reports 2012
STATE BANK AND TRUST COMPANY — 2012
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 203,164,000 | 219,718,000 | 222,998,000 | 234,562,000 |
| Total loans | 165,438,000 | 164,046,000 | 162,201,000 | 162,395,000 |
| Allowance for loan losses | 2,921,000 | 2,975,000 | 3,030,000 | 2,731,000 |
| Securities available for sale | 2,062,000 | 2,045,000 | 7,028,000 | 2,009,000 |
| Securities held to maturity | 1,002,000 | 1,002,000 | 1,002,000 | 1,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,503,000 | 181,911,000 | 183,254,000 | 194,992,000 |
| Interest-bearing deposits | 104,939,000 | 113,409,000 | 107,874,000 | 109,837,000 |
| Noninterest-bearing deposits | 60,564,000 | 68,502,000 | 75,380,000 | 85,155,000 |
| Equity capital | 25,658,000 | 25,660,000 | 25,887,000 | 26,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,324,000 | 4,657,000 | 6,900,000 | 9,113,000 |
| Interest expense | 373,000 | 753,000 | 1,125,000 | 1,490,000 |
| Net interest income | 1,951,000 | 3,904,000 | 5,775,000 | 7,623,000 |
| Noninterest income | 225,000 | 419,000 | 744,000 | 1,018,000 |
| Noninterest expense | 1,336,000 | 2,340,000 | 3,793,000 | 4,913,000 |
| Provision for loan losses | 150,000 | 678,000 | 778,000 | 928,000 |
| Pretax income | 690,000 | 1,305,000 | 1,948,000 | 2,800,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 690,000 | 1,305,000 | 1,948,000 | 2,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,683,000 | 18,710,000 | 18,959,000 | 19,171,000 |
| Total capital | 20,636,000 | 20,611,000 | 20,803,000 | 20,993,000 |
| Risk-weighted assets | 155,310,000 | 150,997,000 | 146,311,000 | 144,843,000 |