Call reports 2005
STATE BANK AND TRUST COMPANY — 2005
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 587,685,000 | 732,397,000 | 764,477,000 | 776,183,000 |
| Total loans | 461,778,000 | 561,946,000 | 579,190,000 | 568,418,000 |
| Allowance for loan losses | 6,298,000 | 7,353,000 | 7,425,000 | 7,261,000 |
| Securities available for sale | 73,351,000 | 83,456,000 | 87,531,000 | 88,886,000 |
| Securities held to maturity | 17,000 | 17,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,000,000 | 580,039,000 | 599,910,000 | 601,087,000 |
| Interest-bearing deposits | 409,752,000 | 502,189,000 | 524,117,000 | 512,434,000 |
| Noninterest-bearing deposits | 49,248,000 | 77,850,000 | 75,793,000 | 88,653,000 |
| Equity capital | 59,076,000 | 81,939,000 | 84,122,000 | 80,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,375,000 | 21,156,000 | 33,764,000 | 46,982,000 |
| Interest expense | 2,620,000 | 6,149,000 | 10,140,000 | 14,305,000 |
| Net interest income | 6,755,000 | 15,007,000 | 23,624,000 | 32,677,000 |
| Noninterest income | 1,305,000 | 2,906,000 | 4,315,000 | 5,677,000 |
| Noninterest expense | 4,833,000 | 10,924,000 | 17,036,000 | 23,756,000 |
| Provision for loan losses | 270,000 | 540,000 | 890,000 | 1,550,000 |
| Pretax income | 2,957,000 | 6,463,000 | 10,027,000 | 13,062,000 |
| Income tax | 1,086,000 | 2,400,000 | 3,699,000 | 4,637,000 |
| Net income | 1,871,000 | 4,063,000 | 6,328,000 | 8,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,711,000 | 69,289,000 | 71,581,000 | 68,352,000 |
| Total capital | 65,943,000 | 76,642,000 | 79,006,000 | 75,613,000 |
| Risk-weighted assets | 498,463,000 | 594,564,000 | 621,763,000 | 624,521,000 |