Call reports 2003
SABINE STATE BANK AND TRUST COMPANY — 2003
What SABINE STATE BANK AND TRUST COMPANY 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 | 329,258,000 | 337,656,000 | 344,788,000 | 353,884,000 |
| Total loans | 207,600,000 | 214,819,000 | 212,662,000 | 215,901,000 |
| Allowance for loan losses | 2,279,000 | 2,154,000 | 2,450,000 | 2,477,000 |
| Securities available for sale | 70,726,000 | 72,837,000 | 69,748,000 | 80,263,000 |
| Securities held to maturity | 20,203,000 | 24,413,000 | 28,496,000 | 33,021,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,088,000 | 297,446,000 | 308,966,000 | 309,011,000 |
| Interest-bearing deposits | 224,431,000 | 225,365,000 | 238,357,000 | 235,923,000 |
| Noninterest-bearing deposits | 68,657,000 | 72,081,000 | 70,609,000 | 73,088,000 |
| Equity capital | 24,199,000 | 26,514,000 | 25,622,000 | 26,810,000 |
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 | 4,443,000 | 9,000,000 | 13,713,000 | 18,005,000 |
| Interest expense | 1,339,000 | 2,590,000 | 3,671,000 | 4,702,000 |
| Net interest income | 3,104,000 | 6,410,000 | 10,042,000 | 13,303,000 |
| Noninterest income | 2,518,000 | 4,246,000 | 5,741,000 | 7,319,000 |
| Noninterest expense | 3,441,000 | 7,218,000 | 11,093,000 | 14,932,000 |
| Provision for loan losses | 505,000 | 955,000 | 1,330,000 | 1,525,000 |
| Pretax income | 1,676,000 | 2,483,000 | 3,364,000 | 4,168,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,676,000 | 2,483,000 | 3,364,000 | 4,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,235,000 | 21,701,000 | 22,185,000 | 23,019,000 |
| Total capital | 23,666,000 | 24,007,000 | 24,787,000 | 25,648,000 |
| Risk-weighted assets | 204,500,000 | 211,457,000 | 211,968,000 | 214,437,000 |