Call reports 2010
STRATFORD STATE BANK — 2010
What STRATFORD STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 104,079,000 | 102,452,000 | 102,163,000 | 103,500,000 |
| Total loans | 51,928,000 | 52,419,000 | 53,676,000 | 53,072,000 |
| Allowance for loan losses | 793,000 | 841,000 | 813,000 | 824,000 |
| Securities available for sale | 576,000 | 246,000 | 1,122,000 | 43,000 |
| Securities held to maturity | 36,103,000 | 36,221,000 | 35,419,000 | 36,705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,592,000 | 82,990,000 | 82,596,000 | 83,874,000 |
| Interest-bearing deposits | 80,262,000 | 78,226,000 | 78,097,000 | 78,729,000 |
| Noninterest-bearing deposits | 4,330,000 | 4,764,000 | 4,499,000 | 5,145,000 |
| Equity capital | 11,133,000 | 10,619,000 | 11,106,000 | 11,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,144,000 | 2,276,000 | 3,414,000 | 4,510,000 |
| Interest expense | 439,000 | 824,000 | 1,175,000 | 1,492,000 |
| Net interest income | 705,000 | 1,452,000 | 2,239,000 | 3,018,000 |
| Noninterest income | 106,000 | 222,000 | 315,000 | 421,000 |
| Noninterest expense | 560,000 | 1,844,000 | 2,384,000 | 2,942,000 |
| Provision for loan losses | 30,000 | 119,000 | 185,000 | 361,000 |
| Pretax income | 221,000 | -289,000 | -15,000 | 136,000 |
| Income tax | 88,000 | 92,000 | -121,000 | -111,000 |
| Net income | 133,000 | -381,000 | 106,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,300,000 | 8,870,000 | 9,217,000 | 9,098,000 |
| Total capital | 10,093,000 | 9,711,000 | 10,030,000 | 9,922,000 |
| Risk-weighted assets | 67,743,000 | 66,819,000 | 67,554,000 | 66,956,000 |
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