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 | 98,006,000 | 94,833,000 | 93,903,000 | 94,926,000 |
| Total loans | 50,387,000 | 49,328,000 | 45,966,000 | 48,822,000 |
| Allowance for loan losses | 623,000 | 645,000 | 627,000 | 600,000 |
| Securities available for sale | 36,610,000 | 38,065,000 | 37,154,000 | 38,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,169,000 | 75,478,000 | 75,879,000 | 76,128,000 |
| Interest-bearing deposits | 68,408,000 | 66,915,000 | 67,159,000 | 67,011,000 |
| Noninterest-bearing deposits | 8,761,000 | 8,563,000 | 8,720,000 | 9,117,000 |
| Equity capital | 10,842,000 | 10,676,000 | 10,514,000 | 10,530,000 |
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 | 1,431,000 | 2,814,000 | 4,045,000 | 5,369,000 |
| Interest expense | 507,000 | 989,000 | 1,440,000 | 1,864,000 |
| Net interest income | 924,000 | 1,825,000 | 2,605,000 | 3,505,000 |
| Noninterest income | 119,000 | 261,000 | 418,000 | 570,000 |
| Noninterest expense | 651,000 | 1,290,000 | 2,066,000 | 2,799,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 392,000 | 796,000 | 957,000 | 1,276,000 |
| Income tax | 13,000 | 28,000 | 37,000 | 48,000 |
| Net income | 379,000 | 768,000 | 920,000 | 1,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,405,000 | 8,185,000 | 8,248,000 | 8,432,000 |
| Total capital | 9,028,000 | 8,827,000 | 8,866,000 | 9,032,000 |
| Risk-weighted assets | 52,706,000 | 51,337,000 | 49,398,000 | 52,153,000 |