Call reports 2004
STATE BANK & TRUST COMPANY — 2004
What STATE BANK & TRUST COMPANY 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 | 125,916,000 | 121,117,000 | 122,902,000 | 123,561,000 |
| Total loans | 74,240,000 | 73,534,000 | 73,945,000 | 74,043,000 |
| Allowance for loan losses | 1,057,000 | 1,022,000 | 993,000 | 1,218,000 |
| Securities available for sale | 34,227,000 | 36,026,000 | 37,769,000 | 37,145,000 |
| Securities held to maturity | 787,000 | 553,000 | 553,000 | 353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,624,000 | 99,317,000 | 99,544,000 | 101,065,000 |
| Interest-bearing deposits | 87,395,000 | 85,673,000 | 84,596,000 | 86,478,000 |
| Noninterest-bearing deposits | 16,229,000 | 13,644,000 | 14,948,000 | 14,587,000 |
| Equity capital | 10,739,000 | 10,532,000 | 11,680,000 | 11,483,000 |
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 | 1,849,000 | 3,711,000 | 5,607,000 | 7,323,000 |
| Interest expense | 681,000 | 1,337,000 | 1,972,000 | 2,598,000 |
| Net interest income | 1,168,000 | 2,374,000 | 3,635,000 | 4,725,000 |
| Noninterest income | 336,000 | 597,000 | 889,000 | 1,188,000 |
| Noninterest expense | 844,000 | 1,629,000 | 2,437,000 | 3,481,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 633,000 |
| Pretax income | 610,000 | 1,293,000 | 2,038,000 | 1,805,000 |
| Income tax | 122,000 | 271,000 | 444,000 | 185,000 |
| Net income | 488,000 | 1,022,000 | 1,594,000 | 1,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,764,000 | 10,298,000 | 10,821,000 | 10,846,000 |
| Total capital | 10,801,000 | 11,320,000 | 11,814,000 | 11,894,000 |
| Risk-weighted assets | 82,939,000 | 81,758,000 | 83,103,000 | 83,666,000 |