Call reports 2004
STATE BANK FINANCIAL — 2004
What STATE BANK FINANCIAL reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 284,700,000 | 279,270,000 | 287,551,000 | 295,803,000 |
| Total loans | 167,623,000 | 170,275,000 | 178,517,000 | 184,292,000 |
| Allowance for loan losses | 2,643,000 | 2,679,000 | 2,701,000 | 2,700,000 |
| Securities available for sale | 57,089,000 | 50,994,000 | 51,105,000 | 48,484,000 |
| Securities held to maturity | 30,864,000 | 30,054,000 | 29,943,000 | 28,681,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,776,000 | 206,826,000 | 216,882,000 | 224,678,000 |
| Interest-bearing deposits | 161,773,000 | 163,563,000 | 174,372,000 | 173,650,000 |
| Noninterest-bearing deposits | 45,003,000 | 43,263,000 | 42,510,000 | 51,028,000 |
| Equity capital | 26,198,000 | 25,635,000 | 26,556,000 | 26,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,167,000 | 6,261,000 | 9,490,000 | 12,894,000 |
| Interest expense | 834,000 | 1,632,000 | 2,506,000 | 3,469,000 |
| Net interest income | 2,333,000 | 4,629,000 | 6,984,000 | 9,425,000 |
| Noninterest income | 533,000 | 1,111,000 | 1,634,000 | 2,567,000 |
| Noninterest expense | 2,025,000 | 4,028,000 | 6,074,000 | 8,175,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 849,000 | 1,690,000 | 2,492,000 | 3,765,000 |
| Income tax | 6,000 | 209,000 | 413,000 | 436,000 |
| Net income | 843,000 | 1,481,000 | 2,079,000 | 3,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,628,000 | 23,716,000 | 24,313,000 | 24,739,000 |
| Total capital | 26,039,000 | 26,144,000 | 26,916,000 | 27,369,000 |
| Risk-weighted assets | 192,627,000 | 193,974,000 | 208,125,000 | 210,314,000 |
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