Call reports 2002
STATE BANK AND TRUST COMPANY — 2002
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 114,866,000 | 127,669,000 | 133,529,000 | 138,121,000 |
| Total loans | 96,643,000 | 108,910,000 | 113,821,000 | 115,846,000 |
| Allowance for loan losses | 1,136,000 | 1,247,000 | 1,292,000 | 1,426,000 |
| Securities available for sale | 4,343,000 | 4,366,000 | 4,478,000 | 4,392,000 |
| Securities held to maturity | 5,065,000 | 5,054,000 | 3,047,000 | 4,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,530,000 | 107,598,000 | 105,946,000 | 107,407,000 |
| Interest-bearing deposits | 62,572,000 | 63,755,000 | 63,065,000 | 65,261,000 |
| Noninterest-bearing deposits | 35,958,000 | 43,843,000 | 42,881,000 | 42,146,000 |
| Equity capital | 12,716,000 | 12,998,000 | 13,368,000 | 13,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,669,000 | 3,493,000 | 5,398,000 | 7,348,000 |
| Interest expense | 282,000 | 610,000 | 966,000 | 1,305,000 |
| Net interest income | 1,387,000 | 2,883,000 | 4,432,000 | 6,043,000 |
| Noninterest income | 252,000 | 475,000 | 699,000 | 962,000 |
| Noninterest expense | 1,160,000 | 2,340,000 | 3,518,000 | 4,751,000 |
| Provision for loan losses | 181,000 | 338,000 | 508,000 | 846,000 |
| Pretax income | 298,000 | 680,000 | 1,105,000 | 1,408,000 |
| Income tax | 74,000 | 189,000 | 319,000 | 407,000 |
| Net income | 224,000 | 491,000 | 786,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,707,000 | 12,998,000 | 13,293,000 | 13,508,000 |
| Total capital | 13,843,000 | 14,245,000 | 14,636,000 | 14,948,000 |
| Risk-weighted assets | 104,103,000 | 113,931,000 | 118,565,000 | 120,330,000 |