Call reports 2005
SAINT STEPHEN STATE BANK — 2005
What SAINT STEPHEN STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 20,932,000 | 20,533,000 | 21,633,000 | 21,281,000 |
| Total loans | 16,487,000 | 15,895,000 | 16,599,000 | 17,528,000 |
| Allowance for loan losses | 218,000 | 212,000 | 209,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,000 | 4,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,230,000 | 18,723,000 | 19,696,000 | 19,163,000 |
| Interest-bearing deposits | 14,992,000 | 14,476,000 | 14,056,000 | 13,166,000 |
| Noninterest-bearing deposits | 4,238,000 | 4,247,000 | 5,640,000 | 5,997,000 |
| Equity capital | 1,578,000 | 1,665,000 | 1,785,000 | 1,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 313,000 | 655,000 | 1,010,000 | 1,377,000 |
| Interest expense | 58,000 | 125,000 | 188,000 | 253,000 |
| Net interest income | 255,000 | 530,000 | 822,000 | 1,124,000 |
| Noninterest income | 74,000 | 157,000 | 242,000 | 381,000 |
| Noninterest expense | 378,000 | 757,000 | 1,154,000 | 1,565,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -49,000 | -70,000 | -90,000 | -60,000 |
| Income tax | 1,000 | -22,000 | -22,000 | -22,000 |
| Net income | -50,000 | -48,000 | -68,000 | -38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,561,000 | 1,650,000 | 1,785,000 | 1,838,000 |
| Total capital | 1,773,000 | 1,851,000 | 1,994,000 | 2,038,000 |
| Risk-weighted assets | 16,984,000 | 16,065,000 | 17,567,000 | 18,494,000 |