Call reports 2003
STRATFORD STATE BANK — 2003
What STRATFORD STATE BANK 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 | 93,378,000 | 95,302,000 | 96,751,000 | 98,755,000 |
| Total loans | 40,986,000 | 43,120,000 | 43,719,000 | 44,682,000 |
| Allowance for loan losses | 657,000 | 695,000 | 724,000 | 744,000 |
| Securities available for sale | 1,817,000 | 75,000 | 1,718,000 | 134,000 |
| Securities held to maturity | 39,024,000 | 41,444,000 | 39,901,000 | 41,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,260,000 | 76,750,000 | 77,752,000 | 80,211,000 |
| Interest-bearing deposits | 72,967,000 | 73,350,000 | 74,844,000 | 77,123,000 |
| Noninterest-bearing deposits | 2,293,000 | 3,400,000 | 2,908,000 | 3,088,000 |
| Equity capital | 10,893,000 | 11,132,000 | 11,434,000 | 11,267,000 |
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 | 1,192,000 | 2,341,000 | 3,512,000 | 4,652,000 |
| Interest expense | 549,000 | 1,081,000 | 1,576,000 | 2,055,000 |
| Net interest income | 643,000 | 1,260,000 | 1,936,000 | 2,597,000 |
| Noninterest income | 93,000 | 179,000 | 282,000 | 418,000 |
| Noninterest expense | 440,000 | 827,000 | 1,227,000 | 1,692,000 |
| Provision for loan losses | 40,000 | 74,000 | 104,000 | 134,000 |
| Pretax income | 256,000 | 538,000 | 887,000 | 1,189,000 |
| Income tax | 29,000 | 72,000 | 119,000 | 194,000 |
| Net income | 227,000 | 466,000 | 768,000 | 995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,893,000 | 11,132,000 | 11,434,000 | 11,267,000 |
| Total capital | 11,550,000 | 11,827,000 | 12,158,000 | 12,000,000 |
| Risk-weighted assets | 60,758,000 | 60,411,000 | 57,617,000 | 58,671,000 |
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