Call reports 2003
STATE BANK & TRUST COMPANY — 2003
What STATE BANK & TRUST COMPANY 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 | 117,976,000 | 120,173,000 | 124,190,000 | 126,429,000 |
| Total loans | 73,913,000 | 74,131,000 | 73,834,000 | 75,015,000 |
| Allowance for loan losses | 746,000 | 747,000 | 725,000 | 997,000 |
| Securities available for sale | 25,628,000 | 29,307,000 | 31,436,000 | 32,887,000 |
| Securities held to maturity | 786,000 | 787,000 | 787,000 | 787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,830,000 | 97,211,000 | 101,590,000 | 104,055,000 |
| Interest-bearing deposits | 82,490,000 | 83,608,000 | 86,995,000 | 89,786,000 |
| Noninterest-bearing deposits | 13,340,000 | 13,603,000 | 14,595,000 | 14,269,000 |
| Equity capital | 9,616,000 | 10,347,000 | 10,262,000 | 10,454,000 |
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 | 1,801,000 | 3,619,000 | 5,476,000 | 7,366,000 |
| Interest expense | 773,000 | 1,526,000 | 2,262,000 | 2,974,000 |
| Net interest income | 1,028,000 | 2,093,000 | 3,214,000 | 4,392,000 |
| Noninterest income | 315,000 | 632,000 | 928,000 | 1,171,000 |
| Noninterest expense | 835,000 | 1,639,000 | 2,495,000 | 3,366,000 |
| Provision for loan losses | 0 | 150,000 | 300,000 | 948,000 |
| Pretax income | 508,000 | 936,000 | 1,347,000 | 1,249,000 |
| Income tax | 108,000 | 191,000 | 253,000 | 118,000 |
| Net income | 400,000 | 745,000 | 1,094,000 | 1,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,021,000 | 9,366,000 | 9,715,000 | 9,752,000 |
| Total capital | 9,767,000 | 10,113,000 | 10,440,000 | 10,749,000 |
| Risk-weighted assets | 74,542,000 | 77,675,000 | 80,638,000 | 83,214,000 |