Call reports 2003
STATE BANK & TRUST COMPANY — 2003
What STATE BANK & 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 | 58,995,000 | 58,337,000 | 62,441,000 | 65,051,000 |
| Total loans | 21,652,000 | 21,852,000 | 20,183,000 | 19,787,000 |
| Allowance for loan losses | 475,000 | 476,000 | 476,000 | 476,000 |
| Securities available for sale | 8,172,000 | 7,557,000 | 10,933,000 | 14,570,000 |
| Securities held to maturity | 523,000 | 522,000 | 467,000 | 466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,081,000 | 52,526,000 | 56,884,000 | 59,766,000 |
| Interest-bearing deposits | 41,845,000 | 41,514,000 | 45,503,000 | 46,216,000 |
| Noninterest-bearing deposits | 11,236,000 | 11,012,000 | 11,381,000 | 13,550,000 |
| Equity capital | 5,319,000 | 5,337,000 | 5,288,000 | 5,139,000 |
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 | 715,000 | 1,430,000 | 2,105,000 | 2,726,000 |
| Interest expense | 159,000 | 309,000 | 443,000 | 574,000 |
| Net interest income | 556,000 | 1,121,000 | 1,662,000 | 2,152,000 |
| Noninterest income | 282,000 | 617,000 | 891,000 | 1,193,000 |
| Noninterest expense | 457,000 | 905,000 | 1,359,000 | 1,966,000 |
| Provision for loan losses | 0 | 2,000 | 2,000 | 7,000 |
| Pretax income | 381,000 | 831,000 | 1,192,000 | 1,372,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 381,000 | 831,000 | 1,192,000 | 1,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,112,000 | 5,152,000 | 5,168,000 | 5,053,000 |
| Total capital | 5,457,000 | 5,498,000 | 5,504,000 | 5,392,000 |
| Risk-weighted assets | 27,882,000 | 27,960,000 | 27,185,000 | 27,254,000 |