Call reports 2007
SAINT STEPHEN STATE BANK — 2007
What SAINT STEPHEN STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 25,330,000 | 26,172,000 | 27,346,000 | 31,372,000 |
| Total loans | 21,928,000 | 21,835,000 | 25,094,000 | 27,267,000 |
| Allowance for loan losses | 241,000 | 241,000 | 248,000 | 294,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 596,000 | 597,000 | 598,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,043,000 | 23,805,000 | 24,424,000 | 28,271,000 |
| Interest-bearing deposits | 18,516,000 | 19,306,000 | 18,737,000 | 22,235,000 |
| Noninterest-bearing deposits | 4,527,000 | 4,499,000 | 5,687,000 | 6,037,000 |
| Equity capital | 2,041,000 | 2,135,000 | 2,310,000 | 2,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 466,000 | 975,000 | 1,541,000 | 2,146,000 |
| Interest expense | 172,000 | 347,000 | 534,000 | 732,000 |
| Net interest income | 294,000 | 628,000 | 1,007,000 | 1,414,000 |
| Noninterest income | 117,000 | 231,000 | 475,000 | 566,000 |
| Noninterest expense | 375,000 | 770,000 | 1,188,000 | 1,621,000 |
| Provision for loan losses | 13,000 | 22,000 | 40,000 | 107,000 |
| Pretax income | 23,000 | 67,000 | 254,000 | 252,000 |
| Income tax | 0 | 0 | 41,000 | 54,000 |
| Net income | 23,000 | 67,000 | 213,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,037,000 | 2,132,000 | 2,309,000 | 2,656,000 |
| Total capital | 2,278,000 | 2,373,000 | 2,557,000 | 2,950,000 |
| Risk-weighted assets | 21,741,000 | 23,379,000 | 25,389,000 | 28,417,000 |