Call reports 2012
STRATFORD STATE BANK — 2012
What STRATFORD STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 103,078,000 | 101,733,000 | 101,473,000 | 104,196,000 |
| Total loans | 50,012,000 | 50,724,000 | 50,354,000 | 50,808,000 |
| Allowance for loan losses | 822,000 | 867,000 | 884,000 | 873,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 38,743,000 | 39,077,000 | 38,304,000 | 36,755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,232,000 | 82,563,000 | 82,026,000 | 84,754,000 |
| Interest-bearing deposits | 77,660,000 | 75,532,000 | 75,192,000 | 75,983,000 |
| Noninterest-bearing deposits | 6,572,000 | 7,031,000 | 6,834,000 | 8,771,000 |
| Equity capital | 12,007,000 | 12,278,000 | 12,616,000 | 12,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 973,000 | 1,981,000 | 2,930,000 | 3,906,000 |
| Interest expense | 220,000 | 420,000 | 609,000 | 785,000 |
| Net interest income | 753,000 | 1,561,000 | 2,321,000 | 3,121,000 |
| Noninterest income | 81,000 | 160,000 | 242,000 | 376,000 |
| Noninterest expense | 575,000 | 1,125,000 | 1,620,000 | 2,389,000 |
| Provision for loan losses | 15,000 | 80,000 | 90,000 | 110,000 |
| Pretax income | 244,000 | 516,000 | 853,000 | 998,000 |
| Income tax | 0 | 0 | 0 | 60,000 |
| Net income | 244,000 | 516,000 | 853,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,029,000 | 10,334,000 | 11,046,000 | 10,923,000 |
| Total capital | 10,851,000 | 11,146,000 | 11,861,000 | 11,729,000 |
| Risk-weighted assets | 64,983,000 | 64,875,000 | 65,126,000 | 64,446,000 |
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