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 | 18,038,000 | 20,130,000 | 19,672,000 | 18,794,000 |
| Total loans | 8,961,000 | 9,349,000 | 9,398,000 | 10,298,000 |
| Allowance for loan losses | 139,000 | 135,000 | 135,000 | 123,000 |
| Securities available for sale | 5,331,000 | 5,287,000 | 4,712,000 | 5,008,000 |
| Securities held to maturity | 221,000 | 219,000 | 218,000 | 215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,783,000 | 15,535,000 | 15,347,000 | 15,141,000 |
| Interest-bearing deposits | 12,839,000 | 14,206,000 | 13,930,000 | 13,267,000 |
| Noninterest-bearing deposits | 944,000 | 1,329,000 | 1,417,000 | 1,874,000 |
| Equity capital | 2,467,000 | 2,529,000 | 2,507,000 | 2,474,000 |
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 | 227,000 | 468,000 | 710,000 | 951,000 |
| Interest expense | 77,000 | 155,000 | 226,000 | 293,000 |
| Net interest income | 150,000 | 313,000 | 484,000 | 658,000 |
| Noninterest income | 53,000 | 75,000 | 102,000 | 127,000 |
| Noninterest expense | 141,000 | 271,000 | 386,000 | 516,000 |
| Provision for loan losses | 3,000 | 4,000 | 4,000 | 47,000 |
| Pretax income | 59,000 | 113,000 | 196,000 | 222,000 |
| Income tax | 13,000 | 23,000 | 42,000 | 41,000 |
| Net income | 46,000 | 90,000 | 154,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,330,000 | 2,373,000 | 2,458,000 | 2,379,000 |
| Total capital | 2,464,000 | 2,508,000 | 2,593,000 | 2,502,000 |
| Risk-weighted assets | 10,626,000 | 11,524,000 | 11,344,000 | 11,883,000 |