Call reports 2013
STRATFORD STATE BANK — 2013
What STRATFORD STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 101,753,000 | 102,599,000 | 102,590,000 | 103,429,000 |
| Total loans | 50,903,000 | 53,420,000 | 52,531,000 | 50,455,000 |
| Allowance for loan losses | 884,000 | 888,000 | 801,000 | 765,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 36,499,000 | 36,231,000 | 36,648,000 | 36,569,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,297,000 | 82,776,000 | 82,381,000 | 83,219,000 |
| Interest-bearing deposits | 75,775,000 | 75,396,000 | 74,993,000 | 75,995,000 |
| Noninterest-bearing deposits | 6,522,000 | 7,380,000 | 7,388,000 | 7,224,000 |
| Equity capital | 12,792,000 | 13,018,000 | 13,277,000 | 13,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 915,000 | 1,816,000 | 2,723,000 | 3,599,000 |
| Interest expense | 161,000 | 330,000 | 489,000 | 628,000 |
| Net interest income | 754,000 | 1,486,000 | 2,234,000 | 2,971,000 |
| Noninterest income | 102,000 | 214,000 | 434,000 | 542,000 |
| Noninterest expense | 514,000 | 1,070,000 | 1,677,000 | 2,233,000 |
| Provision for loan losses | 7,000 | 9,000 | 49,000 | 112,000 |
| Pretax income | 335,000 | 621,000 | 942,000 | 1,168,000 |
| Income tax | 58,000 | 118,000 | 180,000 | 241,000 |
| Net income | 277,000 | 503,000 | 762,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,258,000 | 11,484,000 | 11,743,000 | 11,944,000 |
| Total capital | 12,057,000 | 12,308,000 | 12,544,000 | 12,709,000 |
| Risk-weighted assets | 63,850,000 | 65,889,000 | 65,167,000 | 63,505,000 |
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