Call reports 2002
STATE BANK & TRUST COMPANY — 2002
What STATE BANK & TRUST COMPANY 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 | 56,410,000 | 59,067,000 | 59,292,000 | 61,789,000 |
| Total loans | 20,620,000 | 21,505,000 | 21,089,000 | 20,303,000 |
| Allowance for loan losses | 466,000 | 471,000 | 473,000 | 475,000 |
| Securities available for sale | 13,932,000 | 11,456,000 | 10,900,000 | 12,268,000 |
| Securities held to maturity | 834,000 | 833,000 | 776,000 | 774,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,231,000 | 53,264,000 | 53,350,000 | 55,773,000 |
| Interest-bearing deposits | 38,884,000 | 42,207,000 | 41,734,000 | 45,309,000 |
| Noninterest-bearing deposits | 11,347,000 | 11,057,000 | 11,616,000 | 10,464,000 |
| Equity capital | 5,275,000 | 5,373,000 | 5,424,000 | 5,283,000 |
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 | 836,000 | 1,666,000 | 2,476,000 | 3,242,000 |
| Interest expense | 249,000 | 470,000 | 675,000 | 869,000 |
| Net interest income | 587,000 | 1,196,000 | 1,801,000 | 2,373,000 |
| Noninterest income | 220,000 | 456,000 | 711,000 | 958,000 |
| Noninterest expense | 430,000 | 867,000 | 1,334,000 | 1,972,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 2,000 |
| Pretax income | 377,000 | 785,000 | 1,176,000 | 1,357,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 377,000 | 785,000 | 1,176,000 | 1,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,202,000 | 5,184,000 | 5,170,000 | 5,051,000 |
| Total capital | 5,537,000 | 5,519,000 | 5,511,000 | 5,389,000 |
| Risk-weighted assets | 26,960,000 | 27,113,000 | 27,773,000 | 27,235,000 |