Call reports 2005
STATE BANK AND TRUST COMPANY — 2005
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 151,249,000 | 154,233,000 | 160,099,000 | 167,947,000 |
| Total loans | 127,432,000 | 139,134,000 | 137,102,000 | 139,226,000 |
| Allowance for loan losses | 1,480,000 | 1,576,000 | 1,437,000 | 1,487,000 |
| Securities available for sale | 0 | 0 | 4,998,000 | 0 |
| Securities held to maturity | 5,002,000 | 5,002,000 | 4,002,000 | 4,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,414,000 | 125,952,000 | 122,564,000 | 134,331,000 |
| Interest-bearing deposits | 79,295,000 | 72,167,000 | 64,922,000 | 70,495,000 |
| Noninterest-bearing deposits | 52,119,000 | 53,785,000 | 57,642,000 | 63,836,000 |
| Equity capital | 13,843,000 | 13,999,000 | 14,166,000 | 21,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,146,000 | 4,543,000 | 7,172,000 | 9,916,000 |
| Interest expense | 363,000 | 814,000 | 1,329,000 | 1,892,000 |
| Net interest income | 1,783,000 | 3,729,000 | 5,843,000 | 8,024,000 |
| Noninterest income | -14,000 | 226,000 | 456,000 | 671,000 |
| Noninterest expense | 1,334,000 | 2,643,000 | 3,999,000 | 5,606,000 |
| Provision for loan losses | -50,000 | 40,000 | 170,000 | 270,000 |
| Pretax income | 485,000 | 1,272,000 | 2,130,000 | 2,819,000 |
| Income tax | 14,000 | 28,000 | 42,000 | 56,000 |
| Net income | 471,000 | 1,244,000 | 2,088,000 | 2,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,843,000 | 13,999,000 | 14,166,000 | 14,139,000 |
| Total capital | 15,323,000 | 15,575,000 | 15,603,000 | 15,626,000 |
| Risk-weighted assets | 123,050,000 | 135,678,000 | 136,039,000 | 139,411,000 |
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