Call reports 2006
SAINT STEPHEN STATE BANK — 2006
What SAINT STEPHEN STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 20,375,000 | 21,141,000 | 23,050,000 | 23,913,000 |
| Total loans | 17,615,000 | 18,245,000 | 19,907,000 | 21,016,000 |
| Allowance for loan losses | 200,000 | 202,000 | 208,000 | 232,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 303,000 | 403,000 | 402,000 | 401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,847,000 | 19,107,000 | 20,922,000 | 21,703,000 |
| Interest-bearing deposits | 13,354,000 | 14,526,000 | 15,699,000 | 15,953,000 |
| Noninterest-bearing deposits | 4,493,000 | 4,581,000 | 5,223,000 | 5,750,000 |
| Equity capital | 1,851,000 | 1,866,000 | 1,947,000 | 2,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 365,000 | 763,000 | 1,198,000 | 1,672,000 |
| Interest expense | 68,000 | 161,000 | 282,000 | 415,000 |
| Net interest income | 297,000 | 602,000 | 916,000 | 1,257,000 |
| Noninterest income | 98,000 | 208,000 | 288,000 | 360,000 |
| Noninterest expense | 394,000 | 794,000 | 1,171,000 | 1,503,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 32,000 |
| Pretax income | 1,000 | 16,000 | 27,000 | 82,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,000 | 16,000 | 27,000 | 82,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,841,000 | 1,857,000 | 1,940,000 | 2,002,000 |
| Total capital | 2,041,000 | 2,059,000 | 2,148,000 | 2,234,000 |
| Risk-weighted assets | 18,818,000 | 19,146,000 | 20,687,000 | 21,363,000 |