Call reports 2001
STATE BANK AND TRUST COMPANY, THE — 2001
What STATE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 416,302,000 | 424,856,000 | 427,801,000 | 439,882,000 |
| Total loans | 346,146,000 | 350,344,000 | 338,167,000 | 352,579,000 |
| Allowance for loan losses | 4,459,000 | 4,575,000 | 4,697,000 | 6,165,000 |
| Securities available for sale | 49,948,000 | 51,288,000 | 56,036,000 | 60,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,362,000 | 351,063,000 | 360,189,000 | 367,222,000 |
| Interest-bearing deposits | 319,734,000 | 321,318,000 | 330,103,000 | 332,697,000 |
| Noninterest-bearing deposits | 25,628,000 | 29,745,000 | 30,086,000 | 34,525,000 |
| Equity capital | 32,065,000 | 32,193,000 | 32,649,000 | 30,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 8,775,000 | 17,250,000 | 25,474,000 | 33,065,000 |
| Interest expense | 4,781,000 | 9,412,000 | 13,876,000 | 17,916,000 |
| Net interest income | 3,994,000 | 7,838,000 | 11,598,000 | 15,149,000 |
| Noninterest income | 692,000 | 1,528,000 | 2,346,000 | 3,133,000 |
| Noninterest expense | 2,570,000 | 5,228,000 | 7,788,000 | 10,501,000 |
| Provision for loan losses | 300,000 | 1,533,000 | 2,482,000 | 6,433,000 |
| Pretax income | 1,816,000 | 2,654,000 | 3,754,000 | 1,568,000 |
| Income tax | 587,000 | 840,000 | 1,199,000 | 423,000 |
| Net income | 1,229,000 | 1,814,000 | 2,555,000 | 1,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,350,000 | 31,587,000 | 31,732,000 | 30,123,000 |
| Total capital | 35,674,000 | 35,997,000 | 36,008,000 | 35,273,000 |
| Risk-weighted assets | 345,824,000 | 352,599,000 | 341,619,000 | 362,352,000 |
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