Call reports 2003
STATE BANK, THE — 2003
What STATE BANK, THE 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 | 302,918,000 | 350,178,000 | 378,236,000 | 368,524,000 |
| Total loans | 205,299,000 | 206,122,000 | 205,599,000 | 218,616,000 |
| Allowance for loan losses | 2,831,000 | 2,665,000 | 2,809,000 | 2,949,000 |
| Securities available for sale | 52,833,000 | 68,358,000 | 104,928,000 | 106,603,000 |
| Securities held to maturity | 12,217,000 | 12,440,000 | 9,192,000 | 9,069,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,201,000 | 306,328,000 | 335,135,000 | 325,057,000 |
| Interest-bearing deposits | 225,427,000 | 251,138,000 | 277,860,000 | 258,351,000 |
| Noninterest-bearing deposits | 47,774,000 | 55,190,000 | 57,275,000 | 66,706,000 |
| Equity capital | 25,901,000 | 26,880,000 | 27,551,000 | 28,248,000 |
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 | 3,910,000 | 7,862,000 | 12,031,000 | 16,124,000 |
| Interest expense | 1,155,000 | 2,309,000 | 3,600,000 | 4,886,000 |
| Net interest income | 2,755,000 | 5,553,000 | 8,431,000 | 11,238,000 |
| Noninterest income | 1,458,000 | 3,369,000 | 5,027,000 | 6,320,000 |
| Noninterest expense | 2,928,000 | 5,878,000 | 8,885,000 | 11,600,000 |
| Provision for loan losses | 204,000 | 858,000 | 1,062,000 | 1,266,000 |
| Pretax income | 1,093,000 | 2,210,000 | 3,535,000 | 4,716,000 |
| Income tax | 280,000 | 567,000 | 907,000 | 1,220,000 |
| Net income | 813,000 | 1,643,000 | 2,628,000 | 3,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,675,000 | 26,505,000 | 27,490,000 | 28,358,000 |
| Total capital | 28,506,000 | 29,170,000 | 30,299,000 | 31,307,000 |
| Risk-weighted assets | 247,515,000 | 257,278,000 | 262,978,000 | 270,477,000 |