Call reports 2005
STATE BANK & TRUST COMPANY — 2005
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 122,322,000 | 119,958,000 | 117,510,000 | 118,331,000 |
| Total loans | 73,149,000 | 70,882,000 | 69,556,000 | 66,781,000 |
| Allowance for loan losses | 1,090,000 | 1,332,000 | 1,921,000 | 2,644,000 |
| Securities available for sale | 36,461,000 | 36,911,000 | 35,950,000 | 36,755,000 |
| Securities held to maturity | 254,000 | 199,000 | 199,000 | 199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,011,000 | 98,945,000 | 97,184,000 | 98,413,000 |
| Interest-bearing deposits | 86,137,000 | 83,425,000 | 81,797,000 | 84,043,000 |
| Noninterest-bearing deposits | 14,874,000 | 15,520,000 | 15,387,000 | 14,370,000 |
| Equity capital | 11,045,000 | 10,639,000 | 10,288,000 | 9,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,621,000 | 3,239,000 | 5,107,000 | 6,995,000 |
| Interest expense | 639,000 | 1,299,000 | 1,977,000 | 2,677,000 |
| Net interest income | 982,000 | 1,940,000 | 3,130,000 | 4,318,000 |
| Noninterest income | 297,000 | 528,000 | 795,000 | 1,065,000 |
| Noninterest expense | 882,000 | 1,760,000 | 2,766,000 | 4,009,000 |
| Provision for loan losses | 0 | 1,660,000 | 2,260,000 | 2,844,000 |
| Pretax income | 397,000 | -952,000 | -1,101,000 | -1,470,000 |
| Income tax | 57,000 | -517,000 | -656,000 | -876,000 |
| Net income | 340,000 | -435,000 | -445,000 | -594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,736,000 | 9,961,000 | 9,915,000 | 8,859,000 |
| Total capital | 11,787,000 | 10,982,000 | 10,903,000 | 9,839,000 |
| Risk-weighted assets | 84,047,000 | 81,354,000 | 78,785,000 | 76,763,000 |