Call reports 2005
STATE BANK & TRUST COMPANY — 2005
What STATE BANK & 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 | 75,120,000 | 77,281,000 | 78,358,000 | 84,491,000 |
| Total loans | 59,290,000 | 62,211,000 | 61,906,000 | 60,422,000 |
| Allowance for loan losses | 797,000 | 815,000 | 834,000 | 845,000 |
| Securities available for sale | 9,405,000 | 9,382,000 | 9,193,000 | 9,114,000 |
| Securities held to maturity | 379,000 | 529,000 | 514,000 | 514,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,477,000 | 68,398,000 | 70,376,000 | 76,531,000 |
| Interest-bearing deposits | 52,397,000 | 53,808,000 | 54,154,000 | 56,036,000 |
| Noninterest-bearing deposits | 14,080,000 | 14,590,000 | 16,222,000 | 20,495,000 |
| Equity capital | 6,888,000 | 7,093,000 | 7,164,000 | 7,020,000 |
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 | 1,073,000 | 2,220,000 | 3,423,000 | 4,679,000 |
| Interest expense | 201,000 | 431,000 | 709,000 | 1,001,000 |
| Net interest income | 872,000 | 1,789,000 | 2,714,000 | 3,678,000 |
| Noninterest income | 119,000 | 212,000 | 315,000 | 413,000 |
| Noninterest expense | 670,000 | 1,351,000 | 2,039,000 | 2,955,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 66,000 |
| Pretax income | 276,000 | 587,000 | 909,000 | 1,043,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 276,000 | 587,000 | 909,000 | 1,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,022,000 | 7,133,000 | 7,255,000 | 7,189,000 |
| Total capital | 7,782,000 | 7,940,000 | 8,052,000 | 8,034,000 |
| Risk-weighted assets | 60,831,000 | 64,562,000 | 63,729,000 | 68,705,000 |
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