Call reports 2004
STATE BANK AND TRUST COMPANY, THE — 2004
What STATE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 396,808,000 | 393,099,000 | 392,822,000 | 392,381,000 |
| Total loans | 254,161,000 | 258,485,000 | 258,042,000 | 250,956,000 |
| Allowance for loan losses | 5,897,000 | 5,466,000 | 3,403,000 | 3,141,000 |
| Securities available for sale | 97,644,000 | 97,872,000 | 95,392,000 | 108,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,629,000 | 297,198,000 | 292,737,000 | 284,258,000 |
| Interest-bearing deposits | 275,658,000 | 258,803,000 | 254,883,000 | 243,473,000 |
| Noninterest-bearing deposits | 36,971,000 | 38,395,000 | 37,854,000 | 40,785,000 |
| Equity capital | 37,763,000 | 36,455,000 | 38,054,000 | 38,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,890,000 | 9,620,000 | 14,610,000 | 19,489,000 |
| Interest expense | 1,669,000 | 3,231,000 | 4,767,000 | 6,372,000 |
| Net interest income | 3,221,000 | 6,389,000 | 9,843,000 | 13,117,000 |
| Noninterest income | 1,031,000 | 2,074,000 | 3,115,000 | 4,085,000 |
| Noninterest expense | 3,262,000 | 6,613,000 | 9,633,000 | 13,002,000 |
| Provision for loan losses | 479,000 | 784,000 | 1,653,000 | 1,803,000 |
| Pretax income | 572,000 | 1,190,000 | 1,908,000 | 2,638,000 |
| Income tax | 104,000 | 235,000 | 386,000 | 539,000 |
| Net income | 468,000 | 955,000 | 1,522,000 | 2,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,563,000 | 35,075,000 | 35,667,000 | 36,269,000 |
| Total capital | 37,961,000 | 38,427,000 | 38,989,000 | 39,410,000 |
| Risk-weighted assets | 269,324,000 | 266,043,000 | 265,692,000 | 258,498,000 |