Call reports 2002
STATE BANK AND TRUST COMPANY, THE — 2002
What STATE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 508,690,000 | 472,296,000 | 489,364,000 | 461,307,000 |
| Total loans | 384,501,000 | 380,286,000 | 373,811,000 | 360,736,000 |
| Allowance for loan losses | 8,437,000 | 7,719,000 | 7,777,000 | 9,788,000 |
| Securities available for sale | 79,232,000 | 57,333,000 | 58,909,000 | 58,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,352,000 | 382,482,000 | 417,266,000 | 393,855,000 |
| Interest-bearing deposits | 382,865,000 | 347,113,000 | 378,899,000 | 358,540,000 |
| Noninterest-bearing deposits | 36,487,000 | 35,369,000 | 38,367,000 | 35,315,000 |
| Equity capital | 37,999,000 | 36,764,000 | 37,616,000 | 35,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,598,000 | 15,217,000 | 22,574,000 | 29,600,000 |
| Interest expense | 3,789,000 | 7,343,000 | 10,813,000 | 13,999,000 |
| Net interest income | 3,809,000 | 7,874,000 | 11,761,000 | 15,601,000 |
| Noninterest income | 668,000 | 1,232,000 | 1,950,000 | 2,899,000 |
| Noninterest expense | 2,829,000 | 5,952,000 | 9,060,000 | 12,368,000 |
| Provision for loan losses | 782,000 | 4,110,000 | 4,605,000 | 9,538,000 |
| Pretax income | 826,000 | -1,904,000 | -857,000 | -3,943,000 |
| Income tax | 253,000 | -695,000 | -363,000 | -1,440,000 |
| Net income | 573,000 | -1,209,000 | -494,000 | -2,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,304,000 | 32,920,000 | 33,874,000 | 31,723,000 |
| Total capital | 39,850,000 | 38,189,000 | 39,156,000 | 36,245,000 |
| Risk-weighted assets | 392,205,000 | 370,526,000 | 371,499,000 | 356,463,000 |