Call reports 2002
SAINT STEPHEN STATE BANK — 2002
What SAINT STEPHEN STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 17,244,000 | 16,932,000 | 17,564,000 | 17,600,000 |
| Total loans | 11,097,000 | 11,612,000 | 12,123,000 | 12,450,000 |
| Allowance for loan losses | 113,000 | 107,000 | 109,000 | 128,000 |
| Securities available for sale | 292,000 | 100,000 | 100,000 | 104,000 |
| Securities held to maturity | 458,000 | 758,000 | 607,000 | 408,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,586,000 | 15,124,000 | 15,738,000 | 15,786,000 |
| Interest-bearing deposits | 12,115,000 | 11,503,000 | 11,485,000 | 11,644,000 |
| Noninterest-bearing deposits | 3,471,000 | 3,621,000 | 4,253,000 | 4,142,000 |
| Equity capital | 1,492,000 | 1,659,000 | 1,686,000 | 1,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 262,000 | 540,000 | 830,000 | 1,095,000 |
| Interest expense | 100,000 | 181,000 | 254,000 | 323,000 |
| Net interest income | 162,000 | 359,000 | 576,000 | 772,000 |
| Noninterest income | 56,000 | 184,000 | 257,000 | 325,000 |
| Noninterest expense | 263,000 | 531,000 | 794,000 | 1,079,000 |
| Provision for loan losses | 0 | 0 | -2,000 | -4,000 |
| Pretax income | -45,000 | 3,000 | 32,000 | 13,000 |
| Income tax | 0 | 0 | 2,000 | 2,000 |
| Net income | -45,000 | 3,000 | 30,000 | 11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,455,000 | 1,622,000 | 1,649,000 | 1,621,000 |
| Total capital | 1,568,000 | 1,729,000 | 1,758,000 | 1,749,000 |
| Risk-weighted assets | 12,775,000 | 13,804,000 | 13,835,000 | 14,847,000 |