Call reports 2002
STATE BANK AND TRUST COMPANY — 2002
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 466,894,000 | 475,446,000 | 519,209,000 | 566,155,000 |
| Total loans | 362,798,000 | 389,331,000 | 428,504,000 | 458,032,000 |
| Allowance for loan losses | 3,818,000 | 4,022,000 | 3,776,000 | 5,315,000 |
| Securities available for sale | 55,512,000 | 47,936,000 | 46,772,000 | 57,813,000 |
| Securities held to maturity | 266,000 | 122,000 | 108,000 | 108,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,860,000 | 388,023,000 | 427,850,000 | 462,631,000 |
| Interest-bearing deposits | 332,077,000 | 348,625,000 | 387,706,000 | 417,008,000 |
| Noninterest-bearing deposits | 48,783,000 | 39,398,000 | 40,144,000 | 45,624,000 |
| Equity capital | 41,385,000 | 43,614,000 | 45,586,000 | 50,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 8,613,000 | 17,527,000 | 26,683,000 | 36,645,000 |
| Interest expense | 3,317,000 | 6,503,000 | 9,732,000 | 13,146,000 |
| Net interest income | 5,296,000 | 11,024,000 | 16,951,000 | 23,499,000 |
| Noninterest income | 1,010,000 | 2,083,000 | 3,259,000 | 4,676,000 |
| Noninterest expense | 3,842,000 | 7,591,000 | 11,807,000 | 16,363,000 |
| Provision for loan losses | 202,000 | 917,000 | 1,211,000 | 3,063,000 |
| Pretax income | 2,381,000 | 4,744,000 | 7,337,000 | 9,370,000 |
| Income tax | 881,000 | 1,756,000 | 2,689,000 | 3,366,000 |
| Net income | 1,500,000 | 2,988,000 | 4,648,000 | 6,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,712,000 | 43,166,000 | 44,831,000 | 49,488,000 |
| Total capital | 45,530,000 | 47,188,000 | 48,593,000 | 54,803,000 |
| Risk-weighted assets | 359,359,000 | 382,193,000 | 409,035,000 | 464,481,000 |