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 | 78,289,000 | 84,597,000 | 81,112,000 | 90,132,000 |
| Total loans | 59,012,000 | 60,380,000 | 62,003,000 | 68,376,000 |
| Allowance for loan losses | 839,000 | 863,000 | 908,000 | 832,000 |
| Securities available for sale | 11,613,000 | 13,202,000 | 12,966,000 | 13,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,504,000 | 72,154,000 | 72,111,000 | 80,472,000 |
| Interest-bearing deposits | 60,667,000 | 62,073,000 | 64,873,000 | 69,793,000 |
| Noninterest-bearing deposits | 7,837,000 | 10,081,000 | 7,238,000 | 10,679,000 |
| Equity capital | 6,412,000 | 6,616,000 | 6,625,000 | 6,775,000 |
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 | 1,031,000 | 2,072,000 | 3,118,000 | 4,188,000 |
| Interest expense | 363,000 | 725,000 | 1,073,000 | 1,415,000 |
| Net interest income | 668,000 | 1,347,000 | 2,045,000 | 2,773,000 |
| Noninterest income | 30,000 | 86,000 | 146,000 | 193,000 |
| Noninterest expense | 370,000 | 757,000 | 1,144,000 | 1,541,000 |
| Provision for loan losses | 24,000 | 48,000 | 93,000 | 153,000 |
| Pretax income | 304,000 | 628,000 | 954,000 | 1,272,000 |
| Income tax | 112,000 | 230,000 | 348,000 | 466,000 |
| Net income | 192,000 | 398,000 | 606,000 | 806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,095,000 | 6,226,000 | 6,359,000 | 6,560,000 |
| Total capital | 6,931,000 | 7,058,000 | 7,191,000 | 7,392,000 |
| Risk-weighted assets | 69,129,000 | 66,509,000 | 66,237,000 | 72,488,000 |