Call reports 2003
STATE BANK, THE — 2003
What STATE BANK, THE 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 | 53,460,000 | 53,636,000 | 53,723,000 | 54,228,000 |
| Total loans | 29,720,000 | 29,252,000 | 30,355,000 | 32,743,000 |
| Allowance for loan losses | 218,000 | 234,000 | 253,000 | 300,000 |
| Securities available for sale | 13,882,000 | 13,490,000 | 13,434,000 | 13,288,000 |
| Securities held to maturity | 401,000 | 401,000 | 401,000 | 401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,809,000 | 42,954,000 | 43,630,000 | 43,836,000 |
| Interest-bearing deposits | 37,965,000 | 38,080,000 | 37,331,000 | 37,530,000 |
| Noninterest-bearing deposits | 4,844,000 | 4,874,000 | 6,299,000 | 6,306,000 |
| Equity capital | 5,641,000 | 5,798,000 | 5,769,000 | 5,662,000 |
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 | 747,000 | 1,503,000 | 2,262,000 | 3,043,000 |
| Interest expense | 251,000 | 490,000 | 711,000 | 922,000 |
| Net interest income | 496,000 | 1,013,000 | 1,551,000 | 2,121,000 |
| Noninterest income | 126,000 | 238,000 | 347,000 | 451,000 |
| Noninterest expense | 475,000 | 965,000 | 1,424,000 | 1,921,000 |
| Provision for loan losses | 20,000 | 52,000 | 72,000 | 92,000 |
| Pretax income | 127,000 | 234,000 | 402,000 | 559,000 |
| Income tax | 20,000 | 31,000 | 62,000 | 97,000 |
| Net income | 107,000 | 203,000 | 340,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,327,000 | 5,422,000 | 5,559,000 | 5,426,000 |
| Total capital | 5,545,000 | 5,656,000 | 5,812,000 | 5,726,000 |
| Risk-weighted assets | 34,589,000 | 34,021,000 | 34,518,000 | 37,051,000 |