Call reports 2003
STATE BANK — 2003
What STATE BANK 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 | 40,411,000 | 39,981,000 | 41,167,000 | 45,100,000 |
| Total loans | 28,258,000 | 29,328,000 | 30,549,000 | 32,789,000 |
| Allowance for loan losses | 350,000 | 395,000 | 365,000 | 410,000 |
| Securities available for sale | 8,884,000 | 8,791,000 | 8,133,000 | 8,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,633,000 | 31,764,000 | 30,102,000 | 30,001,000 |
| Interest-bearing deposits | 26,359,000 | 27,270,000 | 25,733,000 | 25,484,000 |
| Noninterest-bearing deposits | 3,274,000 | 4,494,000 | 4,369,000 | 4,517,000 |
| Equity capital | 4,254,000 | 4,491,000 | 4,694,000 | 4,903,000 |
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 | 606,000 | 1,168,000 | 1,760,000 | 2,365,000 |
| Interest expense | 186,000 | 352,000 | 494,000 | 631,000 |
| Net interest income | 420,000 | 816,000 | 1,266,000 | 1,734,000 |
| Noninterest income | 56,000 | 116,000 | 176,000 | 236,000 |
| Noninterest expense | 203,000 | 393,000 | 583,000 | 795,000 |
| Provision for loan losses | 85,000 | 130,000 | 175,000 | 220,000 |
| Pretax income | 188,000 | 409,000 | 684,000 | 955,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 14,000 |
| Net income | 185,000 | 402,000 | 674,000 | 941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,774,000 | 3,991,000 | 4,277,000 | 4,552,000 |
| Total capital | 4,124,000 | 4,386,000 | 4,642,000 | 4,962,000 |
| Risk-weighted assets | 32,747,000 | 33,772,000 | 35,222,000 | 39,036,000 |