Call reports 2002
STATE BANK & TRUST COMPANY — 2002
What STATE BANK & TRUST COMPANY 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 | 111,044,000 | 112,595,000 | 114,302,000 | 118,184,000 |
| Total loans | 72,769,000 | 74,139,000 | 74,528,000 | 75,140,000 |
| Allowance for loan losses | 757,000 | 745,000 | 756,000 | 752,000 |
| Securities available for sale | 23,983,000 | 27,614,000 | 27,343,000 | 24,195,000 |
| Securities held to maturity | 826,000 | 801,000 | 801,000 | 786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,718,000 | 90,528,000 | 91,000,000 | 95,233,000 |
| Interest-bearing deposits | 76,946,000 | 77,716,000 | 78,002,000 | 81,974,000 |
| Noninterest-bearing deposits | 12,772,000 | 12,812,000 | 12,998,000 | 13,259,000 |
| Equity capital | 8,092,000 | 8,707,000 | 9,659,000 | 9,729,000 |
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 | 1,921,000 | 3,810,000 | 5,665,000 | 7,521,000 |
| Interest expense | 988,000 | 1,937,000 | 2,853,000 | 3,702,000 |
| Net interest income | 933,000 | 1,873,000 | 2,812,000 | 3,819,000 |
| Noninterest income | 162,000 | 485,000 | 833,000 | 1,167,000 |
| Noninterest expense | 739,000 | 1,494,000 | 2,256,000 | 3,147,000 |
| Provision for loan losses | 75,000 | 282,000 | 282,000 | 321,000 |
| Pretax income | 281,000 | 582,000 | 1,107,000 | 1,518,000 |
| Income tax | 57,000 | 106,000 | 209,000 | 296,000 |
| Net income | 224,000 | 476,000 | 898,000 | 1,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,112,000 | 8,364,000 | 8,787,000 | 9,111,000 |
| Total capital | 8,869,000 | 9,109,000 | 9,543,000 | 9,863,000 |
| Risk-weighted assets | 68,465,000 | 71,177,000 | 72,095,000 | 73,702,000 |