Call reports 2007
STATE BANK & TRUST COMPANY — 2007
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 92,268,000 | 85,722,000 | 86,840,000 | 88,142,000 |
| Total loans | 68,356,000 | 68,130,000 | 64,666,000 | 67,433,000 |
| Allowance for loan losses | 780,000 | 792,000 | 825,000 | 807,000 |
| Securities available for sale | 10,322,000 | 10,400,000 | 9,120,000 | 10,482,000 |
| Securities held to maturity | 507,000 | 506,000 | 504,000 | 504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,525,000 | 75,508,000 | 77,668,000 | 78,961,000 |
| Interest-bearing deposits | 62,265,000 | 58,269,000 | 57,980,000 | 60,803,000 |
| Noninterest-bearing deposits | 18,260,000 | 17,239,000 | 19,688,000 | 18,158,000 |
| Equity capital | 7,733,000 | 7,822,000 | 8,051,000 | 8,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,535,000 | 3,060,000 | 4,585,000 | 6,031,000 |
| Interest expense | 436,000 | 900,000 | 1,338,000 | 1,755,000 |
| Net interest income | 1,099,000 | 2,160,000 | 3,247,000 | 4,276,000 |
| Noninterest income | 132,000 | 252,000 | 370,000 | 502,000 |
| Noninterest expense | 835,000 | 1,653,000 | 2,473,000 | 3,346,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 366,000 | 698,000 | 1,054,000 | 1,322,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 366,000 | 698,000 | 1,054,000 | 1,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,803,000 | 7,937,000 | 8,093,000 | 8,112,000 |
| Total capital | 8,583,000 | 8,729,000 | 8,918,000 | 8,919,000 |
| Risk-weighted assets | 71,436,000 | 69,709,000 | 68,808,000 | 70,557,000 |
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