Call reports 2003
STATE BANK & TRUST CO. — 2003
What STATE BANK & TRUST CO. 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 | 120,535,000 | 99,749,000 | 107,529,000 | 100,712,000 |
| Total loans | 47,590,000 | 47,310,000 | 46,371,000 | 46,813,000 |
| Allowance for loan losses | 900,000 | 876,000 | 870,000 | 863,000 |
| Securities available for sale | 48,719,000 | 47,250,000 | 52,951,000 | 47,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,933,000 | 86,494,000 | 94,490,000 | 87,731,000 |
| Interest-bearing deposits | 99,441,000 | 79,029,000 | 86,854,000 | 78,492,000 |
| Noninterest-bearing deposits | 7,492,000 | 7,465,000 | 7,636,000 | 9,239,000 |
| Equity capital | 11,170,000 | 11,461,000 | 11,298,000 | 11,230,000 |
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 | 1,301,000 | 2,629,000 | 3,833,000 | 5,068,000 |
| Interest expense | 514,000 | 989,000 | 1,377,000 | 1,766,000 |
| Net interest income | 787,000 | 1,640,000 | 2,456,000 | 3,302,000 |
| Noninterest income | 203,000 | 362,000 | 566,000 | 727,000 |
| Noninterest expense | 450,000 | 909,000 | 1,372,000 | 1,916,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 540,000 | 1,097,000 | 1,654,000 | 2,161,000 |
| Income tax | 149,000 | 308,000 | 471,000 | 607,000 |
| Net income | 391,000 | 789,000 | 1,183,000 | 1,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,396,000 | 10,525,000 | 10,648,000 | 10,719,000 |
| Total capital | 11,210,000 | 11,291,000 | 11,435,000 | 11,509,000 |
| Risk-weighted assets | 65,020,000 | 61,183,000 | 62,843,000 | 63,099,000 |