Call reports 2004
STATE BANK & TRUST COMPANY — 2004
What STATE BANK & TRUST COMPANY 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 | 80,790,000 | 79,927,000 | 81,601,000 | 79,324,000 |
| Total loans | 57,087,000 | 58,667,000 | 58,038,000 | 62,896,000 |
| Allowance for loan losses | 746,000 | 741,000 | 741,000 | 731,000 |
| Securities available for sale | 9,492,000 | 11,005,000 | 10,392,000 | 9,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,046,000 | 70,570,000 | 71,828,000 | 72,885,000 |
| Interest-bearing deposits | 58,527,000 | 58,229,000 | 57,809,000 | 60,302,000 |
| Noninterest-bearing deposits | 12,519,000 | 12,341,000 | 14,019,000 | 12,583,000 |
| Equity capital | 8,521,000 | 8,094,000 | 8,391,000 | 5,700,000 |
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 | 1,078,000 | 2,185,000 | 3,303,000 | 4,376,000 |
| Interest expense | 238,000 | 477,000 | 725,000 | 998,000 |
| Net interest income | 840,000 | 1,708,000 | 2,578,000 | 3,378,000 |
| Noninterest income | 178,000 | 346,000 | 503,000 | 662,000 |
| Noninterest expense | 758,000 | 1,559,000 | 2,411,000 | 3,666,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 42,000 |
| Pretax income | 249,000 | 474,000 | 638,000 | 332,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 249,000 | 474,000 | 638,000 | 332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,324,000 | 8,678,000 | 8,368,000 | 5,751,000 |
| Total capital | 8,990,000 | 9,351,000 | 9,051,000 | 6,465,000 |
| Risk-weighted assets | 53,162,000 | 53,803,000 | 54,582,000 | 57,093,000 |
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