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 | 135,417,000 | 133,892,000 | 133,857,000 | 133,980,000 |
| Total loans | 72,425,000 | 73,569,000 | 75,735,000 | 76,865,000 |
| Allowance for loan losses | 933,000 | 986,000 | 1,051,000 | 1,035,000 |
| Securities available for sale | 49,612,000 | 52,835,000 | 47,625,000 | 44,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,892,000 | 109,076,000 | 109,400,000 | 110,058,000 |
| Interest-bearing deposits | 101,549,000 | 97,421,000 | 98,351,000 | 96,256,000 |
| Noninterest-bearing deposits | 11,343,000 | 11,655,000 | 11,049,000 | 13,802,000 |
| Equity capital | 14,525,000 | 15,385,000 | 14,895,000 | 14,999,000 |
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 | 1,846,000 | 3,688,000 | 5,461,000 | 7,221,000 |
| Interest expense | 648,000 | 1,279,000 | 1,832,000 | 2,401,000 |
| Net interest income | 1,198,000 | 2,409,000 | 3,629,000 | 4,820,000 |
| Noninterest income | 128,000 | 296,000 | 481,000 | 654,000 |
| Noninterest expense | 638,000 | 1,270,000 | 1,857,000 | 2,659,000 |
| Provision for loan losses | 36,000 | 84,000 | 132,000 | 180,000 |
| Pretax income | 652,000 | 1,350,000 | 2,120,000 | 2,678,000 |
| Income tax | 32,000 | 68,000 | 107,000 | 135,000 |
| Net income | 620,000 | 1,282,000 | 2,013,000 | 2,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,706,000 | 10,969,000 | 11,200,000 | 11,429,000 |
| Total capital | 11,639,000 | 11,955,000 | 12,251,000 | 12,464,000 |
| Risk-weighted assets | 82,973,000 | 85,452,000 | 87,139,000 | 87,955,000 |