Call reports 2004
STATE BANK & TRUST CO. — 2004
What STATE BANK & TRUST CO. 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 | 119,201,000 | 108,379,000 | 120,684,000 | 112,675,000 |
| Total loans | 47,036,000 | 48,599,000 | 48,387,000 | 55,933,000 |
| Allowance for loan losses | 858,000 | 861,000 | 862,000 | 838,000 |
| Securities available for sale | 56,792,000 | 54,471,000 | 51,254,000 | 52,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,321,000 | 87,094,000 | 107,466,000 | 95,390,000 |
| Interest-bearing deposits | 97,678,000 | 79,335,000 | 99,758,000 | 87,041,000 |
| Noninterest-bearing deposits | 8,643,000 | 7,759,000 | 7,708,000 | 8,349,000 |
| Equity capital | 11,539,000 | 10,889,000 | 11,401,000 | 11,288,000 |
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 | 1,184,000 | 2,370,000 | 3,599,000 | 4,900,000 |
| Interest expense | 346,000 | 694,000 | 1,116,000 | 1,603,000 |
| Net interest income | 838,000 | 1,676,000 | 2,483,000 | 3,297,000 |
| Noninterest income | 176,000 | 348,000 | 717,000 | 853,000 |
| Noninterest expense | 429,000 | 889,000 | 1,388,000 | 1,801,000 |
| Provision for loan losses | 0 | 3,000 | 6,000 | 8,000 |
| Pretax income | 585,000 | 1,132,000 | 1,806,000 | 2,341,000 |
| Income tax | 161,000 | 302,000 | 490,000 | 634,000 |
| Net income | 424,000 | 830,000 | 1,316,000 | 1,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,844,000 | 10,950,000 | 11,136,000 | 11,227,000 |
| Total capital | 11,702,000 | 11,811,000 | 11,998,000 | 12,114,000 |
| Risk-weighted assets | 68,159,000 | 72,443,000 | 74,639,000 | 79,623,000 |