Call reports 2009
STATE BANK & TRUST COMPANY — 2009
What STATE BANK & 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 | 91,277,000 | 94,291,000 | 92,223,000 | 96,131,000 |
| Total loans | 69,938,000 | 68,515,000 | 69,582,000 | 68,738,000 |
| Allowance for loan losses | 737,000 | 774,000 | 801,000 | 840,000 |
| Securities available for sale | 13,851,000 | 12,724,000 | 12,789,000 | 13,837,000 |
| Securities held to maturity | 915,000 | 914,000 | 912,000 | 912,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,322,000 | 83,209,000 | 82,532,000 | 86,563,000 |
| Interest-bearing deposits | 61,543,000 | 64,920,000 | 65,511,000 | 67,933,000 |
| Noninterest-bearing deposits | 15,779,000 | 18,289,000 | 17,021,000 | 18,630,000 |
| Equity capital | 8,510,000 | 8,576,000 | 8,666,000 | 8,700,000 |
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 | 1,250,000 | 2,460,000 | 3,691,000 | 4,927,000 |
| Interest expense | 213,000 | 422,000 | 630,000 | 842,000 |
| Net interest income | 1,037,000 | 2,038,000 | 3,061,000 | 4,085,000 |
| Noninterest income | 119,000 | 258,000 | 412,000 | 566,000 |
| Noninterest expense | 893,000 | 1,779,000 | 2,687,000 | 3,497,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 260,000 |
| Pretax income | 240,000 | 464,000 | 703,000 | 901,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 240,000 | 464,000 | 703,000 | 901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,266,000 | 8,290,000 | 8,329,000 | 8,327,000 |
| Total capital | 9,003,000 | 9,064,000 | 9,130,000 | 9,167,000 |
| Risk-weighted assets | 71,975,000 | 72,787,000 | 72,526,000 | 71,761,000 |
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