Call reports 2003
STATE BANK AND TRUST COMPANY, THE — 2003
What STATE BANK AND TRUST COMPANY, 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 | 438,566,000 | 447,458,000 | 407,901,000 | 407,394,000 |
| Total loans | 334,526,000 | 298,988,000 | 278,126,000 | 262,692,000 |
| Allowance for loan losses | 7,214,000 | 7,185,000 | 7,069,000 | 5,480,000 |
| Securities available for sale | 62,209,000 | 77,506,000 | 99,715,000 | 107,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,386,000 | 365,944,000 | 330,663,000 | 321,756,000 |
| Interest-bearing deposits | 336,484,000 | 319,021,000 | 294,479,000 | 279,492,000 |
| Noninterest-bearing deposits | 36,902,000 | 46,923,000 | 36,184,000 | 42,264,000 |
| Equity capital | 35,338,000 | 35,404,000 | 35,594,000 | 37,073,000 |
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 | 6,461,000 | 12,193,000 | 17,480,000 | 22,605,000 |
| Interest expense | 2,660,000 | 5,120,000 | 7,355,000 | 9,297,000 |
| Net interest income | 3,801,000 | 7,073,000 | 10,125,000 | 13,308,000 |
| Noninterest income | 814,000 | 1,933,000 | 2,964,000 | 3,922,000 |
| Noninterest expense | 3,470,000 | 7,613,000 | 10,851,000 | 14,150,000 |
| Provision for loan losses | 988,000 | 1,288,000 | 1,288,000 | -21,000 |
| Pretax income | 157,000 | 105,000 | 950,000 | 3,101,000 |
| Income tax | 28,000 | -19,000 | 215,000 | 887,000 |
| Net income | 129,000 | 124,000 | 735,000 | 2,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,885,000 | 31,911,000 | 32,556,000 | 34,068,000 |
| Total capital | 36,097,000 | 35,798,000 | 36,135,000 | 37,511,000 |
| Risk-weighted assets | 333,995,000 | 307,658,000 | 282,865,000 | 273,421,000 |