Call reports 2004
STATE BANK AND TRUST COMPANY — 2004
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 128,567,000 | 140,736,000 | 145,318,000 | 147,715,000 |
| Total loans | 109,978,000 | 121,941,000 | 121,400,000 | 130,925,000 |
| Allowance for loan losses | 1,351,000 | 1,428,000 | 1,481,000 | 1,566,000 |
| Securities available for sale | 0 | 0 | 4,999,000 | 0 |
| Securities held to maturity | 7,019,000 | 7,016,000 | 7,013,000 | 5,012,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,264,000 | 105,712,000 | 125,688,000 | 127,851,000 |
| Interest-bearing deposits | 61,499,000 | 60,190,000 | 68,098,000 | 74,777,000 |
| Noninterest-bearing deposits | 43,765,000 | 45,522,000 | 57,590,000 | 53,074,000 |
| Equity capital | 13,563,000 | 13,652,000 | 13,776,000 | 13,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,567,000 | 3,345,000 | 5,262,000 | 7,290,000 |
| Interest expense | 205,000 | 447,000 | 723,000 | 1,034,000 |
| Net interest income | 1,362,000 | 2,898,000 | 4,539,000 | 6,256,000 |
| Noninterest income | 417,000 | 846,000 | 1,164,000 | 1,402,000 |
| Noninterest expense | 1,333,000 | 2,724,000 | 4,126,000 | 5,447,000 |
| Provision for loan losses | 75,000 | 153,000 | 229,000 | 305,000 |
| Pretax income | 372,000 | 867,000 | 1,348,000 | 1,907,000 |
| Income tax | 7,000 | 14,000 | 22,000 | 29,000 |
| Net income | 365,000 | 853,000 | 1,326,000 | 1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,563,000 | 13,652,000 | 13,776,000 | 13,749,000 |
| Total capital | 14,914,000 | 15,074,000 | 15,254,000 | 15,300,000 |
| Risk-weighted assets | 108,361,000 | 118,325,000 | 118,197,000 | 124,052,000 |
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