Call reports 2002
STATE BANK & TRUST CO. — 2002
What STATE BANK & TRUST CO. 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 | 110,934,000 | 94,227,000 | 110,067,000 | 104,079,000 |
| Total loans | 48,525,000 | 48,846,000 | 48,330,000 | 48,329,000 |
| Allowance for loan losses | 904,000 | 904,000 | 904,000 | 904,000 |
| Securities available for sale | 35,063,000 | 35,653,000 | 39,742,000 | 41,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,714,000 | 81,653,000 | 96,854,000 | 90,102,000 |
| Interest-bearing deposits | 91,833,000 | 74,532,000 | 88,419,000 | 80,091,000 |
| Noninterest-bearing deposits | 6,881,000 | 7,121,000 | 8,435,000 | 10,011,000 |
| Equity capital | 10,133,000 | 10,456,000 | 10,792,000 | 11,147,000 |
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 | 1,468,000 | 2,899,000 | 4,269,000 | 5,655,000 |
| Interest expense | 597,000 | 1,220,000 | 1,749,000 | 2,296,000 |
| Net interest income | 871,000 | 1,679,000 | 2,520,000 | 3,359,000 |
| Noninterest income | 118,000 | 241,000 | 376,000 | 519,000 |
| Noninterest expense | 423,000 | 875,000 | 1,325,000 | 1,820,000 |
| Provision for loan losses | 12,000 | 9,000 | 1,000 | 1,000 |
| Pretax income | 562,000 | 1,044,000 | 1,578,000 | 2,065,000 |
| Income tax | 162,000 | 287,000 | 430,000 | 563,000 |
| Net income | 400,000 | 757,000 | 1,148,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,714,000 | 9,802,000 | 9,922,000 | 10,276,000 |
| Total capital | 10,545,000 | 10,585,000 | 10,739,000 | 11,087,000 |
| Risk-weighted assets | 66,411,000 | 62,546,000 | 65,252,000 | 64,761,000 |