Call reports 2015
STRATFORD STATE BANK — 2015
What STRATFORD STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 103,024,000 | 104,283,000 | 106,891,000 | 107,641,000 |
| Total loans | 53,264,000 | 55,322,000 | 53,941,000 | 52,875,000 |
| Allowance for loan losses | 913,000 | 859,000 | 897,000 | 918,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 37,984,000 | 37,741,000 | 36,601,000 | 42,754,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,654,000 | 84,629,000 | 87,107,000 | 86,044,000 |
| Interest-bearing deposits | 75,358,000 | 74,527,000 | 73,824,000 | 75,411,000 |
| Noninterest-bearing deposits | 8,296,000 | 10,102,000 | 13,283,000 | 10,633,000 |
| Equity capital | 13,791,000 | 13,986,000 | 14,217,000 | 14,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,701,000 | 2,596,000 | 3,491,000 |
| Interest expense | 123,000 | 239,000 | 355,000 | 477,000 |
| Net interest income | 717,000 | 1,462,000 | 2,241,000 | 3,014,000 |
| Noninterest income | 46,000 | 117,000 | 232,000 | 270,000 |
| Noninterest expense | 546,000 | 1,094,000 | 1,680,000 | 2,192,000 |
| Provision for loan losses | 147,000 | 152,000 | 155,000 | 155,000 |
| Pretax income | 70,000 | 333,000 | 638,000 | 937,000 |
| Income tax | 53,000 | 121,000 | 195,000 | 284,000 |
| Net income | 17,000 | 212,000 | 443,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,317,000 | 12,512,000 | 12,737,000 | 12,929,000 |
| Total capital | 13,152,000 | 13,365,000 | 13,582,000 | 13,757,000 |
| Risk-weighted assets | 66,726,000 | 68,029,000 | 67,334,000 | 66,086,000 |