Call reports 2010
STATE BANK & TRUST COMPANY — 2010
What STATE BANK & 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 | 90,299,000 | 88,704,000 | 88,484,000 | 93,737,000 |
| Total loans | 67,777,000 | 66,949,000 | 61,964,000 | 56,625,000 |
| Allowance for loan losses | 864,000 | 890,000 | 955,000 | 1,008,000 |
| Securities available for sale | 13,720,000 | 13,553,000 | 10,489,000 | 14,943,000 |
| Securities held to maturity | 909,000 | 909,000 | 906,000 | 1,760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,726,000 | 78,482,000 | 78,555,000 | 83,868,000 |
| Interest-bearing deposits | 65,399,000 | 62,271,000 | 61,827,000 | 65,085,000 |
| Noninterest-bearing deposits | 15,327,000 | 16,211,000 | 16,728,000 | 18,783,000 |
| Equity capital | 8,750,000 | 9,021,000 | 9,156,000 | 8,789,000 |
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 | 1,195,000 | 2,405,000 | 3,515,000 | 4,521,000 |
| Interest expense | 176,000 | 350,000 | 483,000 | 607,000 |
| Net interest income | 1,019,000 | 2,055,000 | 3,032,000 | 3,914,000 |
| Noninterest income | 130,000 | 253,000 | 388,000 | 605,000 |
| Noninterest expense | 870,000 | 1,715,000 | 2,551,000 | 3,504,000 |
| Provision for loan losses | 21,000 | 115,000 | 175,000 | 225,000 |
| Pretax income | 258,000 | 478,000 | 881,000 | 977,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 258,000 | 478,000 | 881,000 | 977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,386,000 | 8,506,000 | 8,908,000 | 8,854,000 |
| Total capital | 9,250,000 | 9,379,000 | 9,714,000 | 9,633,000 |
| Risk-weighted assets | 70,119,000 | 69,778,000 | 64,256,000 | 62,037,000 |
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