Call reports 2003
SAINT STEPHEN STATE BANK — 2003
What SAINT STEPHEN STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 18,938,000 | 20,315,000 | 21,574,000 | 21,323,000 |
| Total loans | 13,427,000 | 15,602,000 | 16,771,000 | 17,288,000 |
| Allowance for loan losses | 135,000 | 145,000 | 160,000 | 148,000 |
| Securities available for sale | 105,000 | 100,000 | 100,000 | 101,000 |
| Securities held to maturity | 408,000 | 108,000 | 107,000 | 107,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,095,000 | 18,435,000 | 19,632,000 | 19,412,000 |
| Interest-bearing deposits | 12,457,000 | 14,093,000 | 15,156,000 | 14,841,000 |
| Noninterest-bearing deposits | 4,638,000 | 4,342,000 | 4,476,000 | 4,571,000 |
| Equity capital | 1,721,000 | 1,720,000 | 1,770,000 | 1,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 273,000 | 589,000 | 919,000 | 1,262,000 |
| Interest expense | 63,000 | 128,000 | 194,000 | 255,000 |
| Net interest income | 210,000 | 461,000 | 725,000 | 1,007,000 |
| Noninterest income | 171,000 | 323,000 | 415,000 | 493,000 |
| Noninterest expense | 316,000 | 633,000 | 955,000 | 1,298,000 |
| Provision for loan losses | 0 | 11,000 | 26,000 | 62,000 |
| Pretax income | 65,000 | 140,000 | 159,000 | 140,000 |
| Income tax | 0 | 27,000 | 34,000 | 46,000 |
| Net income | 65,000 | 113,000 | 125,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,692,000 | 1,692,000 | 1,744,000 | 1,719,000 |
| Total capital | 1,827,000 | 1,837,000 | 1,904,000 | 1,867,000 |
| Risk-weighted assets | 15,085,000 | 16,935,000 | 17,697,000 | 17,957,000 |