Call reports 2004
SB&T BANK — 2004
What SB&T BANK 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 | 302,130,000 | 312,687,000 | 322,221,000 | 339,788,000 |
| Total loans | 236,485,000 | 248,719,000 | 265,396,000 | 272,133,000 |
| Allowance for loan losses | 4,127,000 | 4,386,000 | 4,705,000 | 4,997,000 |
| Securities available for sale | 49,417,000 | 44,657,000 | 41,814,000 | 52,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,147,000 | 214,148,000 | 224,037,000 | 243,988,000 |
| Interest-bearing deposits | 160,282,000 | 159,092,000 | 170,809,000 | 185,178,000 |
| Noninterest-bearing deposits | 56,865,000 | 55,056,000 | 53,228,000 | 58,810,000 |
| Equity capital | 23,255,000 | 23,532,000 | 25,130,000 | 26,086,000 |
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 | 3,840,000 | 7,804,000 | 12,025,000 | 16,446,000 |
| Interest expense | 800,000 | 1,632,000 | 2,579,000 | 3,659,000 |
| Net interest income | 3,040,000 | 6,172,000 | 9,446,000 | 12,787,000 |
| Noninterest income | 616,000 | 1,259,000 | 1,888,000 | 2,512,000 |
| Noninterest expense | 1,778,000 | 3,561,000 | 5,517,000 | 7,279,000 |
| Provision for loan losses | 493,000 | 1,032,000 | 1,814,000 | 2,241,000 |
| Pretax income | 1,385,000 | 2,843,000 | 4,009,000 | 5,785,000 |
| Income tax | 491,000 | 1,007,000 | 1,415,000 | 2,052,000 |
| Net income | 894,000 | 1,836,000 | 2,594,000 | 3,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,567,000 | 23,562,000 | 24,780,000 | 25,935,000 |
| Total capital | 25,622,000 | 26,770,000 | 28,295,000 | 29,534,000 |
| Risk-weighted assets | 243,279,000 | 255,491,000 | 280,007,000 | 286,509,000 |