Call reports 2004
STATE BANK & TRUST COMPANY — 2004
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 60,776,000 | 59,995,000 | 62,305,000 | 63,753,000 |
| Total loans | 20,805,000 | 22,640,000 | 23,775,000 | 23,706,000 |
| Allowance for loan losses | 476,000 | 476,000 | 477,000 | 479,000 |
| Securities available for sale | 11,097,000 | 4,538,000 | 4,046,000 | 9,975,000 |
| Securities held to maturity | 467,000 | 466,000 | 336,000 | 335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,867,000 | 54,497,000 | 54,374,000 | 58,520,000 |
| Interest-bearing deposits | 43,047,000 | 42,536,000 | 42,209,000 | 45,623,000 |
| Noninterest-bearing deposits | 11,820,000 | 11,961,000 | 12,165,000 | 12,897,000 |
| Equity capital | 5,442,000 | 5,157,000 | 5,155,000 | 5,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 614,000 | 1,235,000 | 1,881,000 | 2,544,000 |
| Interest expense | 114,000 | 225,000 | 343,000 | 487,000 |
| Net interest income | 500,000 | 1,010,000 | 1,538,000 | 2,057,000 |
| Noninterest income | 279,000 | 561,000 | 857,000 | 1,124,000 |
| Noninterest expense | 447,000 | 902,000 | 1,384,000 | 1,967,000 |
| Provision for loan losses | -2,000 | 3,000 | 7,000 | 16,000 |
| Pretax income | 334,000 | 666,000 | 1,004,000 | 1,198,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 334,000 | 666,000 | 1,004,000 | 1,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,387,000 | 5,139,000 | 5,152,000 | 5,056,000 |
| Total capital | 5,729,000 | 5,494,000 | 5,525,000 | 5,422,000 |
| Risk-weighted assets | 27,251,000 | 28,282,000 | 29,646,000 | 29,057,000 |