Call reports 2003
STATE BANK FINANCIAL — 2003
What STATE BANK FINANCIAL reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 277,272,000 | 266,995,000 | 287,935,000 | 298,115,000 |
| Total loans | 158,405,000 | 158,144,000 | 156,559,000 | 160,940,000 |
| Allowance for loan losses | 2,644,000 | 2,708,000 | 2,703,000 | 2,614,000 |
| Securities available for sale | 45,816,000 | 38,616,000 | 58,775,000 | 67,360,000 |
| Securities held to maturity | 32,836,000 | 32,412,000 | 32,505,000 | 30,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,414,000 | 196,920,000 | 203,190,000 | 215,967,000 |
| Interest-bearing deposits | 166,574,000 | 156,239,000 | 160,514,000 | 166,304,000 |
| Noninterest-bearing deposits | 36,840,000 | 40,681,000 | 42,676,000 | 49,663,000 |
| Equity capital | 22,714,000 | 24,502,000 | 25,607,000 | 25,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,390,000 | 6,570,000 | 9,681,000 | 12,890,000 |
| Interest expense | 919,000 | 1,826,000 | 2,706,000 | 3,573,000 |
| Net interest income | 2,471,000 | 4,744,000 | 6,975,000 | 9,317,000 |
| Noninterest income | 740,000 | 1,635,000 | 2,709,000 | 3,219,000 |
| Noninterest expense | 2,085,000 | 4,304,000 | 6,324,000 | 8,363,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 1,096,000 | 2,015,000 | 3,270,000 | 4,083,000 |
| Income tax | 1,407,000 | 1,408,000 | 1,408,000 | 1,385,000 |
| Net income | -311,000 | 607,000 | 1,862,000 | 2,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,911,000 | 21,868,000 | 23,123,000 | 23,035,000 |
| Total capital | 22,164,000 | 24,076,000 | 25,426,000 | 25,421,000 |
| Risk-weighted assets | 179,840,000 | 176,160,000 | 183,822,000 | 190,632,000 |
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