Call reports 2001
SAINT STEPHEN STATE BANK — 2001
What SAINT STEPHEN STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 14,827,000 | 15,323,000 | 16,225,000 | 18,343,000 |
| Total loans | 9,793,000 | 10,439,000 | 11,560,000 | 11,392,000 |
| Allowance for loan losses | 129,000 | 119,000 | 121,000 | 112,000 |
| Securities available for sale | 287,000 | 288,000 | 294,000 | 290,000 |
| Securities held to maturity | 557,000 | 555,000 | 554,000 | 558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,336,000 | 13,750,000 | 14,734,000 | 16,514,000 |
| Interest-bearing deposits | 10,587,000 | 11,039,000 | 11,612,000 | 13,020,000 |
| Noninterest-bearing deposits | 2,749,000 | 2,711,000 | 3,122,000 | 3,494,000 |
| Equity capital | 1,328,000 | 1,340,000 | 1,343,000 | 1,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 268,000 | 561,000 | 851,000 | 1,141,000 |
| Interest expense | 114,000 | 241,000 | 361,000 | 478,000 |
| Net interest income | 154,000 | 320,000 | 490,000 | 663,000 |
| Noninterest income | 101,000 | 224,000 | 285,000 | 576,000 |
| Noninterest expense | 206,000 | 447,000 | 680,000 | 922,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 49,000 | 97,000 | 95,000 | 310,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 86,000 |
| Net income | 48,000 | 96,000 | 94,000 | 224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,286,000 | 1,300,000 | 1,304,000 | 1,538,000 |
| Total capital | 1,415,000 | 1,419,000 | 1,425,000 | 1,650,000 |
| Risk-weighted assets | 11,652,000 | 12,180,000 | 13,556,000 | 13,949,000 |