Call reports 2008
STRATFORD STATE BANK — 2008
What STRATFORD STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 114,485,000 | 112,740,000 | 110,035,000 | 110,864,000 |
| Total loans | 61,754,000 | 58,071,000 | 58,351,000 | 60,495,000 |
| Allowance for loan losses | 1,064,000 | 1,080,000 | 1,024,000 | 1,020,000 |
| Securities available for sale | 517,000 | 682,000 | 111,000 | 421,000 |
| Securities held to maturity | 38,626,000 | 40,966,000 | 41,762,000 | 39,931,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,827,000 | 87,718,000 | 85,347,000 | 86,059,000 |
| Interest-bearing deposits | 85,195,000 | 82,706,000 | 80,771,000 | 81,314,000 |
| Noninterest-bearing deposits | 4,632,000 | 5,012,000 | 4,576,000 | 4,745,000 |
| Equity capital | 13,291,000 | 13,507,000 | 13,257,000 | 13,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,688,000 | 3,244,000 | 4,700,000 | 6,044,000 |
| Interest expense | 956,000 | 1,814,000 | 2,617,000 | 3,341,000 |
| Net interest income | 732,000 | 1,430,000 | 2,083,000 | 2,703,000 |
| Noninterest income | 99,000 | 189,000 | 276,000 | 375,000 |
| Noninterest expense | 549,000 | 1,073,000 | 1,592,000 | 2,100,000 |
| Provision for loan losses | 13,000 | 25,000 | 88,000 | 290,000 |
| Pretax income | 269,000 | 521,000 | 679,000 | 708,000 |
| Income tax | 47,000 | 83,000 | 87,000 | 83,000 |
| Net income | 222,000 | 438,000 | 592,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,291,000 | 13,507,000 | 13,257,000 | 13,290,000 |
| Total capital | 14,224,000 | 14,403,000 | 14,147,000 | 14,198,000 |
| Risk-weighted assets | 74,465,000 | 71,532,000 | 71,066,000 | 72,492,000 |
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