Call reports 2011
STRATFORD STATE BANK — 2011
What STRATFORD STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 102,875,000 | 103,173,000 | 103,057,000 | 104,204,000 |
| Total loans | 51,880,000 | 54,175,000 | 51,424,000 | 49,416,000 |
| Allowance for loan losses | 838,000 | 851,000 | 802,000 | 803,000 |
| Securities available for sale | 4,000 | 29,000 | 361,000 | 0 |
| Securities held to maturity | 36,476,000 | 37,650,000 | 37,069,000 | 38,607,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,195,000 | 83,184,000 | 83,082,000 | 84,328,000 |
| Interest-bearing deposits | 77,773,000 | 77,488,000 | 77,134,000 | 78,532,000 |
| Noninterest-bearing deposits | 5,422,000 | 5,696,000 | 5,948,000 | 5,796,000 |
| Equity capital | 11,206,000 | 11,340,000 | 11,588,000 | 11,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,048,000 | 2,082,000 | 3,136,000 | 4,095,000 |
| Interest expense | 274,000 | 528,000 | 777,000 | 1,005,000 |
| Net interest income | 774,000 | 1,554,000 | 2,359,000 | 3,090,000 |
| Noninterest income | 71,000 | 157,000 | 251,000 | 389,000 |
| Noninterest expense | 613,000 | 1,359,000 | 1,939,000 | 2,681,000 |
| Provision for loan losses | 43,000 | 93,000 | 170,000 | 238,000 |
| Pretax income | 189,000 | 259,000 | 501,000 | 560,000 |
| Income tax | 70,000 | 5,000 | 0 | -116,000 |
| Net income | 119,000 | 254,000 | 501,000 | 676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,217,000 | 9,196,000 | 9,444,000 | 9,751,000 |
| Total capital | 10,055,000 | 10,047,000 | 10,246,000 | 10,554,000 |
| Risk-weighted assets | 66,468,000 | 68,587,000 | 66,803,000 | 64,751,000 |
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