Call reports 2007
STRATFORD STATE BANK — 2007
What STRATFORD STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 112,700,000 | 110,518,000 | 110,395,000 | 115,583,000 |
| Total loans | 54,036,000 | 55,409,000 | 58,136,000 | 63,144,000 |
| Allowance for loan losses | 667,000 | 673,000 | 690,000 | 1,044,000 |
| Securities available for sale | 32,000 | 467,000 | 702,000 | 48,000 |
| Securities held to maturity | 45,018,000 | 44,925,000 | 43,710,000 | 43,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,006,000 | 86,907,000 | 85,346,000 | 90,913,000 |
| Interest-bearing deposits | 84,640,000 | 82,253,000 | 80,854,000 | 85,783,000 |
| Noninterest-bearing deposits | 4,366,000 | 4,654,000 | 4,492,000 | 5,130,000 |
| Equity capital | 13,355,000 | 13,552,000 | 13,747,000 | 13,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,603,000 | 3,244,000 | 4,855,000 | 6,589,000 |
| Interest expense | 929,000 | 1,882,000 | 2,841,000 | 3,830,000 |
| Net interest income | 674,000 | 1,362,000 | 2,014,000 | 2,759,000 |
| Noninterest income | 89,000 | 179,000 | 271,000 | 392,000 |
| Noninterest expense | 513,000 | 1,035,000 | 1,521,000 | 2,053,000 |
| Provision for loan losses | 6,000 | 7,000 | 18,000 | 472,000 |
| Pretax income | 244,000 | 499,000 | 746,000 | 626,000 |
| Income tax | 58,000 | 116,000 | 168,000 | -30,000 |
| Net income | 186,000 | 383,000 | 578,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,355,000 | 13,552,000 | 13,747,000 | 13,370,000 |
| Total capital | 14,022,000 | 14,225,000 | 14,437,000 | 14,414,000 |
| Risk-weighted assets | 68,004,000 | 68,468,000 | 71,217,000 | 75,803,000 |
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