Call reports 2003
STATE BANK & TRUST COMPANY — 2003
What STATE BANK & TRUST COMPANY 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 | 81,404,000 | 79,481,000 | 78,508,000 | 76,364,000 |
| Total loans | 55,624,000 | 55,960,000 | 58,270,000 | 57,647,000 |
| Allowance for loan losses | 735,000 | 744,000 | 741,000 | 737,000 |
| Securities available for sale | 10,486,000 | 10,473,000 | 9,104,000 | 10,366,000 |
| Securities held to maturity | 1,500,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,012,000 | 69,206,000 | 68,194,000 | 66,225,000 |
| Interest-bearing deposits | 57,337,000 | 55,250,000 | 54,574,000 | 55,175,000 |
| Noninterest-bearing deposits | 13,675,000 | 13,956,000 | 13,620,000 | 11,051,000 |
| Equity capital | 9,591,000 | 9,439,000 | 9,394,000 | 9,429,000 |
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 | 1,193,000 | 2,321,000 | 3,457,000 | 4,548,000 |
| Interest expense | 308,000 | 588,000 | 847,000 | 1,087,000 |
| Net interest income | 885,000 | 1,733,000 | 2,610,000 | 3,461,000 |
| Noninterest income | 149,000 | 321,000 | 472,000 | 659,000 |
| Noninterest expense | 737,000 | 1,435,000 | 2,157,000 | 2,914,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 288,000 | 601,000 | 898,000 | 1,170,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 288,000 | 601,000 | 898,000 | 1,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,269,000 | 9,138,000 | 9,230,000 | 9,286,000 |
| Total capital | 9,930,000 | 9,791,000 | 9,911,000 | 9,939,000 |
| Risk-weighted assets | 52,782,000 | 52,125,000 | 54,418,000 | 52,430,000 |
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