Call reports 2003
STATE BANK — 2003
What STATE BANK 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 | 187,505,000 | 188,252,000 | 185,945,000 | 194,237,000 |
| Total loans | 101,171,000 | 106,392,000 | 110,453,000 | 111,200,000 |
| Allowance for loan losses | 1,556,000 | 1,555,000 | 1,472,000 | 1,500,000 |
| Securities available for sale | 16,762,000 | 21,038,000 | 24,662,000 | 30,639,000 |
| Securities held to maturity | 38,879,000 | 36,597,000 | 32,892,000 | 29,742,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,520,000 | 162,091,000 | 159,406,000 | 167,646,000 |
| Interest-bearing deposits | 131,543,000 | 133,376,000 | 130,804,000 | 133,776,000 |
| Noninterest-bearing deposits | 29,977,000 | 28,716,000 | 28,602,000 | 33,870,000 |
| Equity capital | 25,145,000 | 25,356,000 | 25,682,000 | 25,804,000 |
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 | 2,478,000 | 4,893,000 | 7,183,000 | 9,434,000 |
| Interest expense | 607,000 | 1,177,000 | 1,698,000 | 2,194,000 |
| Net interest income | 1,871,000 | 3,716,000 | 5,485,000 | 7,240,000 |
| Noninterest income | 312,000 | 614,000 | 946,000 | 1,318,000 |
| Noninterest expense | 1,355,000 | 2,759,000 | 4,247,000 | 5,703,000 |
| Provision for loan losses | 25,000 | 50,000 | 80,000 | 120,000 |
| Pretax income | 803,000 | 1,521,000 | 2,104,000 | 2,735,000 |
| Income tax | 230,000 | 408,000 | 518,000 | 648,000 |
| Net income | 573,000 | 1,113,000 | 1,586,000 | 2,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,906,000 | 25,062,000 | 25,534,000 | 25,661,000 |
| Total capital | 26,230,000 | 26,474,000 | 27,006,000 | 27,161,000 |
| Risk-weighted assets | 105,687,000 | 112,826,000 | 120,130,000 | 122,578,000 |