Call reports 2009
STRATFORD STATE BANK — 2009
What STRATFORD STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 109,596,000 | 107,932,000 | 104,506,000 | 106,515,000 |
| Total loans | 58,900,000 | 56,834,000 | 52,367,000 | 52,076,000 |
| Allowance for loan losses | 1,045,000 | 1,068,000 | 1,107,000 | 764,000 |
| Securities available for sale | 1,678,000 | 109,000 | 818,000 | 15,000 |
| Securities held to maturity | 38,560,000 | 38,825,000 | 37,479,000 | 37,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,242,000 | 85,429,000 | 84,156,000 | 86,227,000 |
| Interest-bearing deposits | 81,300,000 | 80,781,000 | 79,988,000 | 82,084,000 |
| Noninterest-bearing deposits | 3,942,000 | 4,648,000 | 4,168,000 | 4,143,000 |
| Equity capital | 13,353,000 | 11,373,000 | 11,116,000 | 11,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,302,000 | 2,503,000 | 3,686,000 | 4,861,000 |
| Interest expense | 667,000 | 1,285,000 | 1,862,000 | 2,380,000 |
| Net interest income | 635,000 | 1,218,000 | 1,824,000 | 2,481,000 |
| Noninterest income | 109,000 | 134,000 | 228,000 | 321,000 |
| Noninterest expense | 534,000 | 1,140,000 | 1,663,000 | 3,552,000 |
| Provision for loan losses | 150,000 | 2,155,000 | 2,680,000 | 3,141,000 |
| Pretax income | 60,000 | -1,943,000 | -2,291,000 | -3,891,000 |
| Income tax | -3,000 | -26,000 | -117,000 | -1,616,000 |
| Net income | 63,000 | -1,917,000 | -2,174,000 | -2,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,353,000 | 11,373,000 | 11,116,000 | 9,156,000 |
| Total capital | 14,247,000 | 12,242,000 | 11,970,000 | 9,920,000 |
| Risk-weighted assets | 71,400,000 | 69,309,000 | 68,144,000 | 68,587,000 |
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