Call reports 2005
SB&T BANK — 2005
What SB&T BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 340,873,000 | 356,390,000 | 361,995,000 | 365,008,000 |
| Total loans | 274,411,000 | 290,717,000 | 296,172,000 | 302,144,000 |
| Allowance for loan losses | 4,796,000 | 5,101,000 | 5,184,000 | 5,257,000 |
| Securities available for sale | 47,010,000 | 47,081,000 | 46,452,000 | 45,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,153,000 | 247,632,000 | 257,519,000 | 252,341,000 |
| Interest-bearing deposits | 191,370,000 | 182,745,000 | 191,875,000 | 194,284,000 |
| Noninterest-bearing deposits | 61,783,000 | 64,887,000 | 65,644,000 | 58,057,000 |
| Equity capital | 26,535,000 | 27,432,000 | 27,798,000 | 28,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,561,000 | 9,569,000 | 15,045,000 | 20,899,000 |
| Interest expense | 1,285,000 | 2,806,000 | 4,581,000 | 6,568,000 |
| Net interest income | 3,276,000 | 6,763,000 | 10,464,000 | 14,331,000 |
| Noninterest income | 549,000 | 1,136,000 | 1,729,000 | 2,270,000 |
| Noninterest expense | 1,599,000 | 3,330,000 | 5,049,000 | 6,944,000 |
| Provision for loan losses | 625,000 | 1,195,000 | 2,020,000 | 2,630,000 |
| Pretax income | 1,601,000 | 3,374,000 | 5,124,000 | 7,028,000 |
| Income tax | 575,000 | 1,226,000 | 1,870,000 | 2,583,000 |
| Net income | 1,026,000 | 2,148,000 | 3,254,000 | 4,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,745,000 | 27,360,000 | 27,943,000 | 28,454,000 |
| Total capital | 30,383,000 | 31,184,000 | 31,820,000 | 32,284,000 |
| Risk-weighted assets | 289,877,000 | 304,668,000 | 308,862,000 | 304,944,000 |