Call reports 2004
SAINT STEPHEN STATE BANK — 2004
What SAINT STEPHEN STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,492,000 | 20,910,000 | 21,457,000 | 20,687,000 |
| Total loans | 17,938,000 | 17,091,000 | 17,604,000 | 17,826,000 |
| Allowance for loan losses | 146,000 | 146,000 | 197,000 | 218,000 |
| Securities available for sale | 101,000 | 0 | 0 | 0 |
| Securities held to maturity | 6,000 | 6,000 | 6,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,546,000 | 19,076,000 | 19,683,000 | 18,936,000 |
| Interest-bearing deposits | 14,306,000 | 14,721,000 | 14,942,000 | 13,924,000 |
| Noninterest-bearing deposits | 4,240,000 | 4,355,000 | 4,741,000 | 5,012,000 |
| Equity capital | 1,830,000 | 1,746,000 | 1,679,000 | 1,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 323,000 | 635,000 | 952,000 | 1,261,000 |
| Interest expense | 53,000 | 106,000 | 162,000 | 215,000 |
| Net interest income | 270,000 | 529,000 | 790,000 | 1,046,000 |
| Noninterest income | 87,000 | 164,000 | 284,000 | 417,000 |
| Noninterest expense | 338,000 | 697,000 | 1,077,000 | 1,479,000 |
| Provision for loan losses | 0 | 0 | 67,000 | 135,000 |
| Pretax income | 19,000 | -4,000 | -70,000 | -151,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 19,000 | -4,000 | -70,000 | -151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,806,000 | 1,725,000 | 1,660,000 | 1,610,000 |
| Total capital | 1,952,000 | 1,871,000 | 1,857,000 | 1,828,000 |
| Risk-weighted assets | 18,468,000 | 18,015,000 | 18,070,000 | 18,278,000 |