Call reports 2005
STATE BANK & TRUST COMPANY — 2005
What STATE BANK & TRUST COMPANY 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 | 79,659,000 | 81,905,000 | 84,812,000 | 84,041,000 |
| Total loans | 61,165,000 | 59,446,000 | 59,004,000 | 59,949,000 |
| Allowance for loan losses | 744,000 | 728,000 | 728,000 | 710,000 |
| Securities available for sale | 9,852,000 | 9,322,000 | 7,589,000 | 7,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,940,000 | 75,117,000 | 77,824,000 | 76,839,000 |
| Interest-bearing deposits | 59,878,000 | 59,987,000 | 56,955,000 | 54,575,000 |
| Noninterest-bearing deposits | 13,062,000 | 15,131,000 | 20,870,000 | 22,264,000 |
| Equity capital | 5,866,000 | 5,843,000 | 5,786,000 | 5,733,000 |
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 | 1,121,000 | 2,275,000 | 3,411,000 | 4,590,000 |
| Interest expense | 278,000 | 578,000 | 876,000 | 1,175,000 |
| Net interest income | 843,000 | 1,697,000 | 2,535,000 | 3,415,000 |
| Noninterest income | 159,000 | 322,000 | 469,000 | 597,000 |
| Noninterest expense | 702,000 | 1,472,000 | 2,159,000 | 2,877,000 |
| Provision for loan losses | 18,000 | 36,000 | 36,000 | 36,000 |
| Pretax income | 282,000 | 511,000 | 809,000 | 1,099,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 282,000 | 511,000 | 809,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,032,000 | 5,943,000 | 5,956,000 | 5,971,000 |
| Total capital | 6,723,000 | 6,619,000 | 6,637,000 | 6,657,000 |
| Risk-weighted assets | 55,246,000 | 54,031,000 | 54,422,000 | 54,862,000 |
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