Call reports 2005
STRATFORD STATE BANK — 2005
What STRATFORD STATE BANK 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 | 98,331,000 | 102,287,000 | 103,451,000 | 104,493,000 |
| Total loans | 48,237,000 | 49,945,000 | 50,161,000 | 52,038,000 |
| Allowance for loan losses | 642,000 | 673,000 | 686,000 | 692,000 |
| Securities available for sale | 151,000 | 78,000 | 1,183,000 | 2,203,000 |
| Securities held to maturity | 40,723,000 | 41,151,000 | 40,497,000 | 38,726,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,556,000 | 81,862,000 | 82,126,000 | 83,428,000 |
| Interest-bearing deposits | 75,280,000 | 77,845,000 | 78,360,000 | 78,626,000 |
| Noninterest-bearing deposits | 3,276,000 | 4,017,000 | 3,766,000 | 4,801,000 |
| Equity capital | 12,279,000 | 12,534,000 | 12,816,000 | 12,566,000 |
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 | 1,222,000 | 2,497,000 | 3,881,000 | 5,240,000 |
| Interest expense | 484,000 | 1,037,000 | 1,671,000 | 2,343,000 |
| Net interest income | 738,000 | 1,460,000 | 2,210,000 | 2,897,000 |
| Noninterest income | 123,000 | 234,000 | 328,000 | 447,000 |
| Noninterest expense | 514,000 | 974,000 | 1,416,000 | 1,966,000 |
| Provision for loan losses | 25,000 | 55,000 | 68,000 | 75,000 |
| Pretax income | 322,000 | 665,000 | 1,054,000 | 1,303,000 |
| Income tax | 71,000 | 159,000 | 266,000 | 335,000 |
| Net income | 251,000 | 506,000 | 788,000 | 968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,279,000 | 12,534,000 | 12,816,000 | 12,566,000 |
| Total capital | 12,922,000 | 13,207,000 | 13,502,000 | 13,258,000 |
| Risk-weighted assets | 62,204,000 | 63,041,000 | 63,666,000 | 65,288,000 |
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