Call reports 2002
STATE BANK & TRUST COMPANY — 2002
What STATE BANK & 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 | 63,146,000 | 65,627,000 | 65,868,000 | 74,533,000 |
| Total loans | 46,153,000 | 47,179,000 | 46,117,000 | 41,246,000 |
| Allowance for loan losses | 714,000 | 699,000 | 688,000 | 654,000 |
| Securities available for sale | 11,562,000 | 11,096,000 | 11,118,000 | 14,249,000 |
| Securities held to maturity | 699,000 | 900,000 | 850,000 | 837,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,675,000 | 57,834,000 | 57,905,000 | 66,849,000 |
| Interest-bearing deposits | 45,386,000 | 47,207,000 | 46,399,000 | 51,065,000 |
| Noninterest-bearing deposits | 10,289,000 | 10,627,000 | 11,506,000 | 15,784,000 |
| Equity capital | 6,720,000 | 7,009,000 | 7,143,000 | 6,925,000 |
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 | 1,054,000 | 2,099,000 | 3,140,000 | 4,127,000 |
| Interest expense | 231,000 | 455,000 | 677,000 | 888,000 |
| Net interest income | 823,000 | 1,644,000 | 2,463,000 | 3,239,000 |
| Noninterest income | 114,000 | 225,000 | 331,000 | 466,000 |
| Noninterest expense | 632,000 | 1,239,000 | 1,871,000 | 2,722,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 292,000 | 605,000 | 886,000 | 941,000 |
| Income tax | 2,000 | 6,000 | 10,000 | 14,000 |
| Net income | 290,000 | 599,000 | 876,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,675,000 | 6,784,000 | 6,861,000 | 6,662,000 |
| Total capital | 7,273,000 | 7,399,000 | 7,463,000 | 7,243,000 |
| Risk-weighted assets | 47,702,000 | 49,107,000 | 48,390,000 | 46,385,000 |
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