Call reports 2004
STATE BANK AND TRUST COMPANY — 2004
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 630,867,000 | 640,030,000 | 601,986,000 | 596,079,000 |
| Total loans | 506,857,000 | 512,289,000 | 473,709,000 | 465,001,000 |
| Allowance for loan losses | 5,437,000 | 4,097,000 | 7,144,000 | 6,167,000 |
| Securities available for sale | 75,382,000 | 63,194,000 | 70,399,000 | 67,351,000 |
| Securities held to maturity | 33,000 | 33,000 | 27,000 | 23,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 523,831,000 | 527,623,000 | 466,290,000 | 456,288,000 |
| Interest-bearing deposits | 475,080,000 | 480,777,000 | 422,269,000 | 412,573,000 |
| Noninterest-bearing deposits | 48,752,000 | 46,846,000 | 44,021,000 | 43,714,000 |
| Equity capital | 56,080,000 | 57,082,000 | 59,045,000 | 57,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,740,000 | 19,619,000 | 29,164,000 | 38,651,000 |
| Interest expense | 2,748,000 | 5,438,000 | 8,202,000 | 10,941,000 |
| Net interest income | 6,992,000 | 14,181,000 | 20,962,000 | 27,710,000 |
| Noninterest income | 1,411,000 | 3,068,000 | 9,223,000 | 10,564,000 |
| Noninterest expense | 5,234,000 | 10,696,000 | 15,892,000 | 21,355,000 |
| Provision for loan losses | 300,000 | 581,000 | 5,243,000 | 5,243,000 |
| Pretax income | 2,920,000 | 6,025,000 | 9,115,000 | 11,741,000 |
| Income tax | 1,075,000 | 2,223,000 | 3,364,000 | 4,236,000 |
| Net income | 1,845,000 | 3,802,000 | 5,751,000 | 7,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,875,000 | 56,856,000 | 58,217,000 | 57,783,000 |
| Total capital | 60,312,000 | 60,953,000 | 64,592,000 | 63,950,000 |
| Risk-weighted assets | 522,970,000 | 532,119,000 | 509,201,000 | 500,063,000 |