Call reports 2005
STATE BANK AND TRUST COMPANY, THE — 2005
What STATE BANK AND TRUST COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 392,294,000 | 430,112,000 | 418,331,000 | 431,300,000 |
| Total loans | 253,407,000 | 261,926,000 | 261,522,000 | 268,585,000 |
| Allowance for loan losses | 2,932,000 | 3,129,000 | 3,061,000 | 3,112,000 |
| Securities available for sale | 102,565,000 | 108,612,000 | 118,968,000 | 123,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,028,000 | 345,901,000 | 334,306,000 | 335,910,000 |
| Interest-bearing deposits | 275,021,000 | 327,278,000 | 319,908,000 | 320,627,000 |
| Noninterest-bearing deposits | 14,007,000 | 18,623,000 | 14,398,000 | 15,283,000 |
| Equity capital | 37,887,000 | 39,163,000 | 38,884,000 | 39,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,959,000 | 10,047,000 | 15,461,000 | 21,159,000 |
| Interest expense | 1,690,000 | 3,536,000 | 5,606,000 | 7,775,000 |
| Net interest income | 3,269,000 | 6,511,000 | 9,855,000 | 13,384,000 |
| Noninterest income | 1,032,000 | 2,008,000 | 3,086,000 | 4,072,000 |
| Noninterest expense | 3,303,000 | 6,984,000 | 10,658,000 | 14,222,000 |
| Provision for loan losses | -24,000 | 446,000 | 547,000 | 697,000 |
| Pretax income | 1,013,000 | 1,080,000 | 1,761,000 | 2,562,000 |
| Income tax | 239,000 | 160,000 | 288,000 | 447,000 |
| Net income | 774,000 | 920,000 | 1,473,000 | 2,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,951,000 | 32,187,000 | 32,765,000 | 33,450,000 |
| Total capital | 39,883,000 | 35,316,000 | 35,826,000 | 36,562,000 |
| Risk-weighted assets | 261,625,000 | 275,363,000 | 274,554,000 | 282,061,000 |
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