Call reports 2003
STATE BANK & TRUST COMPANY — 2003
What STATE BANK & 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 | 68,626,000 | 70,057,000 | 71,314,000 | 77,838,000 |
| Total loans | 47,783,000 | 52,328,000 | 49,223,000 | 48,714,000 |
| Allowance for loan losses | 672,000 | 663,000 | 681,000 | 668,000 |
| Securities available for sale | 11,526,000 | 10,999,000 | 10,045,000 | 10,802,000 |
| Securities held to maturity | 837,000 | 836,000 | 526,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,827,000 | 62,159,000 | 63,467,000 | 70,179,000 |
| Interest-bearing deposits | 49,656,000 | 49,600,000 | 47,843,000 | 54,231,000 |
| Noninterest-bearing deposits | 11,171,000 | 12,559,000 | 15,624,000 | 15,948,000 |
| Equity capital | 7,057,000 | 7,179,000 | 7,122,000 | 6,923,000 |
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 | 977,000 | 1,995,000 | 2,972,000 | 3,913,000 |
| Interest expense | 187,000 | 371,000 | 538,000 | 705,000 |
| Net interest income | 790,000 | 1,624,000 | 2,434,000 | 3,208,000 |
| Noninterest income | 132,000 | 267,000 | 409,000 | 533,000 |
| Noninterest expense | 630,000 | 1,241,000 | 1,876,000 | 2,738,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 272,000 | 612,000 | 911,000 | 927,000 |
| Income tax | 5,000 | 7,000 | 11,000 | 14,000 |
| Net income | 267,000 | 605,000 | 900,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,779,000 | 6,917,000 | 7,012,000 | 6,825,000 |
| Total capital | 7,407,000 | 7,580,000 | 7,676,000 | 7,482,000 |
| Risk-weighted assets | 50,235,000 | 53,911,000 | 52,331,000 | 52,564,000 |
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