Call reports 2003
STATE BANK AND TRUST COMPANY — 2003
What STATE BANK AND TRUST COMPANY 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 | 592,364,000 | 615,268,000 | 636,653,000 | 636,158,000 |
| Total loans | 462,006,000 | 483,525,000 | 493,485,000 | 490,719,000 |
| Allowance for loan losses | 5,110,000 | 4,871,000 | 5,351,000 | 5,366,000 |
| Securities available for sale | 53,013,000 | 63,490,000 | 73,729,000 | 80,979,000 |
| Securities held to maturity | 48,000 | 43,000 | 32,000 | 33,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 495,744,000 | 512,966,000 | 534,757,000 | 525,982,000 |
| Interest-bearing deposits | 444,649,000 | 463,269,000 | 467,819,000 | 474,908,000 |
| Noninterest-bearing deposits | 51,095,000 | 49,697,000 | 66,938,000 | 51,074,000 |
| Equity capital | 52,348,000 | 53,869,000 | 54,912,000 | 53,978,000 |
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 | 9,511,000 | 19,286,000 | 29,530,000 | 39,619,000 |
| Interest expense | 3,202,000 | 6,438,000 | 9,543,000 | 12,515,000 |
| Net interest income | 6,309,000 | 12,848,000 | 19,987,000 | 27,104,000 |
| Noninterest income | 1,337,000 | 2,687,000 | 3,946,000 | 5,224,000 |
| Noninterest expense | 4,900,000 | 10,082,000 | 15,202,000 | 20,234,000 |
| Provision for loan losses | 225,000 | 525,000 | 1,555,000 | 3,058,000 |
| Pretax income | 2,519,000 | 4,926,000 | 7,174,000 | 9,263,000 |
| Income tax | 928,000 | 1,812,000 | 2,637,000 | 3,128,000 |
| Net income | 1,591,000 | 3,114,000 | 4,537,000 | 6,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,151,000 | 52,524,000 | 54,044,000 | 53,120,000 |
| Total capital | 56,261,000 | 57,395,000 | 59,395,000 | 58,486,000 |
| Risk-weighted assets | 464,777,000 | 501,165,000 | 522,915,000 | 513,086,000 |