Call reports 2002
SB&T BANK — 2002
What SB&T BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 242,861,000 | 254,960,000 | 254,030,000 | 274,183,000 |
| Total loans | 184,997,000 | 196,452,000 | 196,097,000 | 202,418,000 |
| Allowance for loan losses | 2,473,000 | 3,353,000 | 3,327,000 | 3,340,000 |
| Securities available for sale | 41,192,000 | 40,877,000 | 39,389,000 | 39,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,586,000 | 173,800,000 | 179,165,000 | 188,835,000 |
| Interest-bearing deposits | 130,825,000 | 127,642,000 | 127,862,000 | 135,448,000 |
| Noninterest-bearing deposits | 41,761,000 | 46,158,000 | 51,303,000 | 53,387,000 |
| Equity capital | 22,984,000 | 21,535,000 | 20,341,000 | 20,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,820,000 | 7,726,000 | 11,633,000 | 15,496,000 |
| Interest expense | 934,000 | 1,960,000 | 3,007,000 | 3,996,000 |
| Net interest income | 2,886,000 | 5,766,000 | 8,626,000 | 11,500,000 |
| Noninterest income | 585,000 | 1,163,000 | 1,757,000 | 2,348,000 |
| Noninterest expense | 1,687,000 | 3,408,000 | 5,115,000 | 6,608,000 |
| Provision for loan losses | 126,000 | 1,301,000 | 1,800,000 | 1,902,000 |
| Pretax income | 1,658,000 | 2,220,000 | 3,468,000 | 5,338,000 |
| Income tax | 598,000 | 765,000 | 1,197,000 | 1,864,000 |
| Net income | 1,060,000 | 1,455,000 | 2,271,000 | 3,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,472,000 | 20,622,000 | 19,193,000 | 19,011,000 |
| Total capital | 24,922,000 | 23,201,000 | 21,738,000 | 21,699,000 |
| Risk-weighted assets | 196,017,000 | 205,565,000 | 202,808,000 | 214,386,000 |