Call reports 2004
STATE BANK & TRUST COMPANY — 2004
What STATE BANK & 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 | 75,318,000 | 75,471,000 | 72,168,000 | 78,386,000 |
| Total loans | 54,448,000 | 55,983,000 | 53,343,000 | 57,632,000 |
| Allowance for loan losses | 685,000 | 724,000 | 760,000 | 777,000 |
| Securities available for sale | 11,213,000 | 11,128,000 | 9,901,000 | 10,044,000 |
| Securities held to maturity | 200,000 | 240,000 | 240,000 | 379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,500,000 | 65,778,000 | 64,267,000 | 70,677,000 |
| Interest-bearing deposits | 51,522,000 | 50,814,000 | 49,247,000 | 53,196,000 |
| Noninterest-bearing deposits | 15,978,000 | 14,964,000 | 15,020,000 | 17,481,000 |
| Equity capital | 7,083,000 | 6,960,000 | 7,152,000 | 6,938,000 |
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 | 985,000 | 2,013,000 | 3,034,000 | 4,059,000 |
| Interest expense | 168,000 | 335,000 | 516,000 | 708,000 |
| Net interest income | 817,000 | 1,678,000 | 2,518,000 | 3,351,000 |
| Noninterest income | 127,000 | 260,000 | 386,000 | 518,000 |
| Noninterest expense | 649,000 | 1,286,000 | 1,975,000 | 2,878,000 |
| Provision for loan losses | 24,000 | 60,000 | 96,000 | 120,000 |
| Pretax income | 271,000 | 592,000 | 833,000 | 871,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 271,000 | 592,000 | 833,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,896,000 | 7,017,000 | 7,058,000 | 6,896,000 |
| Total capital | 7,581,000 | 7,741,000 | 7,775,000 | 7,673,000 |
| Risk-weighted assets | 57,878,000 | 59,575,000 | 57,310,000 | 62,153,000 |