Call reports 2006
STATE BANK & TRUST COMPANY — 2006
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 85,898,000 | 86,056,000 | 88,305,000 | 91,213,000 |
| Total loans | 60,387,000 | 65,173,000 | 66,727,000 | 69,601,000 |
| Allowance for loan losses | 876,000 | 893,000 | 898,000 | 759,000 |
| Securities available for sale | 10,267,000 | 10,388,000 | 10,877,000 | 11,046,000 |
| Securities held to maturity | 511,000 | 511,000 | 509,000 | 509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,005,000 | 78,018,000 | 79,844,000 | 82,640,000 |
| Interest-bearing deposits | 61,572,000 | 60,630,000 | 60,858,000 | 63,020,000 |
| Noninterest-bearing deposits | 16,433,000 | 17,388,000 | 18,986,000 | 19,620,000 |
| Equity capital | 7,017,000 | 7,114,000 | 7,527,000 | 7,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,259,000 | 2,630,000 | 4,137,000 | 5,651,000 |
| Interest expense | 342,000 | 710,000 | 1,115,000 | 1,552,000 |
| Net interest income | 917,000 | 1,920,000 | 3,022,000 | 4,099,000 |
| Noninterest income | 109,000 | 205,000 | 353,000 | 466,000 |
| Noninterest expense | 811,000 | 1,548,000 | 2,304,000 | 3,264,000 |
| Provision for loan losses | 29,000 | 44,000 | 59,000 | 74,000 |
| Pretax income | 186,000 | 531,000 | 1,010,000 | 1,225,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 186,000 | 531,000 | 1,010,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,201,000 | 7,370,000 | 7,673,000 | 7,689,000 |
| Total capital | 7,995,000 | 8,217,000 | 8,538,000 | 8,448,000 |
| Risk-weighted assets | 63,431,000 | 67,700,000 | 69,135,000 | 70,766,000 |
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