Call reports 2005
STATE BANK AND TRUST — 2005
What STATE BANK AND TRUST 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 | 143,890,000 | 149,835,000 | 147,140,000 | 148,859,000 |
| Total loans | 109,402,000 | 106,506,000 | 110,704,000 | 115,048,000 |
| Allowance for loan losses | 1,510,000 | 1,551,000 | 1,552,000 | 1,553,000 |
| Securities available for sale | 17,119,000 | 22,012,000 | 22,505,000 | 22,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,533,000 | 135,355,000 | 131,907,000 | 133,832,000 |
| Interest-bearing deposits | 116,061,000 | 117,710,000 | 114,897,000 | 117,960,000 |
| Noninterest-bearing deposits | 14,472,000 | 17,645,000 | 17,010,000 | 15,872,000 |
| Equity capital | 11,589,000 | 12,196,000 | 12,469,000 | 12,704,000 |
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 | 1,822,000 | 3,765,000 | 5,856,000 | 8,050,000 |
| Interest expense | 596,000 | 1,300,000 | 2,067,000 | 2,895,000 |
| Net interest income | 1,226,000 | 2,465,000 | 3,789,000 | 5,155,000 |
| Noninterest income | 111,000 | 252,000 | 381,000 | 557,000 |
| Noninterest expense | 909,000 | 1,834,000 | 2,768,000 | 3,710,000 |
| Provision for loan losses | 42,000 | 80,000 | 80,000 | 80,000 |
| Pretax income | 386,000 | 803,000 | 1,322,000 | 1,922,000 |
| Income tax | 135,000 | 278,000 | 458,000 | 669,000 |
| Net income | 251,000 | 525,000 | 864,000 | 1,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,361,000 | 10,835,000 | 11,174,000 | 11,563,000 |
| Total capital | 11,755,000 | 12,232,000 | 12,628,000 | 12,998,000 |
| Risk-weighted assets | 111,377,000 | 111,772,000 | 116,345,000 | 114,689,000 |