Call reports 2005
STATE BANK & TRUST COMPANY — 2005
What STATE BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 64,578,000 | 63,088,000 | 68,773,000 | 75,682,000 |
| Total loans | 24,508,000 | 24,351,000 | 20,881,000 | 19,574,000 |
| Allowance for loan losses | 480,000 | 481,000 | 481,000 | 481,000 |
| Securities available for sale | 7,418,000 | 6,439,000 | 6,431,000 | 11,353,000 |
| Securities held to maturity | 334,000 | 333,000 | 303,000 | 664,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,937,000 | 57,525,000 | 63,136,000 | 70,118,000 |
| Interest-bearing deposits | 43,173,000 | 44,234,000 | 47,759,000 | 54,384,000 |
| Noninterest-bearing deposits | 15,764,000 | 13,291,000 | 15,377,000 | 15,734,000 |
| Equity capital | 5,242,000 | 5,095,000 | 5,180,000 | 5,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 668,000 | 1,369,000 | 2,125,000 | 2,985,000 |
| Interest expense | 160,000 | 338,000 | 563,000 | 868,000 |
| Net interest income | 508,000 | 1,031,000 | 1,562,000 | 2,117,000 |
| Noninterest income | 241,000 | 486,000 | 744,000 | 1,140,000 |
| Noninterest expense | 464,000 | 899,000 | 1,347,000 | 1,916,000 |
| Provision for loan losses | -1,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 286,000 | 614,000 | 954,000 | 1,334,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 286,000 | 614,000 | 954,000 | 1,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,342,000 | 5,170,000 | 5,261,000 | 5,390,000 |
| Total capital | 5,726,000 | 5,553,000 | 5,624,000 | 5,740,000 |
| Risk-weighted assets | 30,606,000 | 30,569,000 | 28,801,000 | 27,887,000 |