Call reports 2003
SB&T BANK — 2003
What SB&T BANK 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 | 266,443,000 | 284,172,000 | 288,919,000 | 293,056,000 |
| Total loans | 199,853,000 | 211,006,000 | 221,762,000 | 229,043,000 |
| Allowance for loan losses | 5,285,000 | 3,582,000 | 3,625,000 | 3,721,000 |
| Securities available for sale | 42,958,000 | 43,411,000 | 40,093,000 | 41,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,987,000 | 181,998,000 | 193,662,000 | 194,729,000 |
| Interest-bearing deposits | 133,583,000 | 129,016,000 | 139,770,000 | 136,568,000 |
| Noninterest-bearing deposits | 48,404,000 | 52,982,000 | 53,892,000 | 58,161,000 |
| Equity capital | 19,721,000 | 21,342,000 | 22,330,000 | 22,445,000 |
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 | 3,620,000 | 7,181,000 | 10,872,000 | 14,538,000 |
| Interest expense | 915,000 | 1,782,000 | 2,590,000 | 3,367,000 |
| Net interest income | 2,705,000 | 5,399,000 | 8,282,000 | 11,171,000 |
| Noninterest income | 576,000 | 1,165,000 | 1,709,000 | 2,314,000 |
| Noninterest expense | 1,693,000 | 3,434,000 | 5,259,000 | 8,629,000 |
| Provision for loan losses | 2,145,000 | 2,715,000 | 3,927,000 | 4,525,000 |
| Pretax income | -557,000 | 415,000 | 805,000 | 331,000 |
| Income tax | -269,000 | 58,000 | 158,000 | -62,000 |
| Net income | -288,000 | 357,000 | 647,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,773,000 | 20,288,000 | 21,578,000 | 21,823,000 |
| Total capital | 21,390,000 | 23,102,000 | 24,506,000 | 24,803,000 |
| Risk-weighted assets | 206,652,000 | 224,387,000 | 233,545,000 | 237,675,000 |