Call reports 2002
STATE BANK AND TRUST — 2002
What STATE BANK AND TRUST 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 | 92,414,000 | 98,705,000 | 101,988,000 | 102,357,000 |
| Total loans | 67,718,000 | 73,519,000 | 76,255,000 | 76,096,000 |
| Allowance for loan losses | 1,022,000 | 1,088,000 | 1,154,000 | 1,216,000 |
| Securities available for sale | 9,579,000 | 9,493,000 | 9,292,000 | 8,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,347,000 | 88,184,000 | 90,975,000 | 91,111,000 |
| Interest-bearing deposits | 71,114,000 | 76,158,000 | 79,509,000 | 79,566,000 |
| Noninterest-bearing deposits | 11,233,000 | 12,026,000 | 11,466,000 | 11,545,000 |
| Equity capital | 8,791,000 | 8,941,000 | 9,123,000 | 9,260,000 |
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 | 1,317,000 | 2,703,000 | 4,152,000 | 5,601,000 |
| Interest expense | 537,000 | 1,068,000 | 1,620,000 | 2,154,000 |
| Net interest income | 780,000 | 1,635,000 | 2,532,000 | 3,447,000 |
| Noninterest income | 91,000 | 183,000 | 313,000 | 450,000 |
| Noninterest expense | 672,000 | 1,364,000 | 2,085,000 | 2,797,000 |
| Provision for loan losses | 85,000 | 151,000 | 217,000 | 284,000 |
| Pretax income | 114,000 | 303,000 | 543,000 | 816,000 |
| Income tax | 52,000 | 133,000 | 232,000 | 340,000 |
| Net income | 62,000 | 170,000 | 311,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,044,000 | 7,216,000 | 7,390,000 | 7,555,000 |
| Total capital | 7,979,000 | 8,212,000 | 8,413,000 | 8,571,000 |
| Risk-weighted assets | 74,695,000 | 79,610,000 | 81,834,000 | 81,091,000 |