Call reports 2003
STATE BANK AND TRUST COMPANY — 2003
What STATE BANK AND TRUST COMPANY 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 | 131,773,000 | 128,407,000 | 123,323,000 | 127,550,000 |
| Total loans | 111,464,000 | 105,568,000 | 100,936,000 | 102,381,000 |
| Allowance for loan losses | 1,497,000 | 1,538,000 | 1,545,000 | 1,397,000 |
| Securities available for sale | 4,481,000 | 8,549,000 | 2,863,000 | 1,035,000 |
| Securities held to maturity | 2,028,000 | 2,020,000 | 4,012,000 | 5,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,249,000 | 104,877,000 | 107,923,000 | 111,477,000 |
| Interest-bearing deposits | 63,383,000 | 60,724,000 | 59,463,000 | 59,050,000 |
| Noninterest-bearing deposits | 40,866,000 | 44,153,000 | 48,460,000 | 52,427,000 |
| Equity capital | 13,656,000 | 13,568,000 | 13,451,000 | 13,373,000 |
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 | 1,872,000 | 3,641,000 | 5,345,000 | 7,033,000 |
| Interest expense | 308,000 | 586,000 | 833,000 | 1,065,000 |
| Net interest income | 1,564,000 | 3,055,000 | 4,512,000 | 5,968,000 |
| Noninterest income | 707,000 | 991,000 | 1,235,000 | 1,546,000 |
| Noninterest expense | 1,322,000 | 2,566,000 | 3,887,000 | 5,239,000 |
| Provision for loan losses | 76,000 | 142,000 | 137,000 | 460,000 |
| Pretax income | 873,000 | 1,338,000 | 1,770,000 | 1,930,000 |
| Income tax | 624,000 | 639,000 | 653,000 | 691,000 |
| Net income | 249,000 | 699,000 | 1,117,000 | 1,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,536,000 | 13,377,000 | 13,446,000 | 13,373,000 |
| Total capital | 15,028,000 | 14,852,000 | 14,771,000 | 14,666,000 |
| Risk-weighted assets | 114,949,000 | 110,883,000 | 105,635,000 | 103,342,000 |
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