Call reports 2014
STRATFORD STATE BANK — 2014
What STRATFORD STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 103,887,000 | 103,985,000 | 102,930,000 | 102,393,000 |
| Total loans | 52,214,000 | 51,079,000 | 51,823,000 | 53,278,000 |
| Allowance for loan losses | 782,000 | 796,000 | 838,000 | 841,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 37,399,000 | 38,060,000 | 37,632,000 | 37,677,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,986,000 | 83,783,000 | 83,206,000 | 82,952,000 |
| Interest-bearing deposits | 75,697,000 | 75,028,000 | 74,779,000 | 73,460,000 |
| Noninterest-bearing deposits | 8,289,000 | 8,755,000 | 8,427,000 | 9,492,000 |
| Equity capital | 13,491,000 | 13,664,000 | 13,855,000 | 13,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 862,000 | 1,714,000 | 2,561,000 | 3,424,000 |
| Interest expense | 125,000 | 246,000 | 365,000 | 481,000 |
| Net interest income | 737,000 | 1,468,000 | 2,196,000 | 2,943,000 |
| Noninterest income | 211,000 | 293,000 | 373,000 | 461,000 |
| Noninterest expense | 590,000 | 1,158,000 | 1,706,000 | 2,275,000 |
| Provision for loan losses | 10,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 348,000 | 588,000 | 848,000 | 1,114,000 |
| Income tax | 66,000 | 134,000 | 202,000 | 271,000 |
| Net income | 282,000 | 454,000 | 646,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,225,000 | 12,398,000 | 12,589,000 | 12,819,000 |
| Total capital | 13,007,000 | 13,194,000 | 13,391,000 | 13,626,000 |
| Risk-weighted assets | 65,017,000 | 64,091,000 | 64,155,000 | 64,641,000 |
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