Call reports 2008
SAINT STEPHEN STATE BANK — 2008
What SAINT STEPHEN STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 32,125,000 | 31,337,000 | 35,189,000 | 32,689,000 |
| Total loans | 27,765,000 | 28,508,000 | 27,258,000 | 24,937,000 |
| Allowance for loan losses | 298,000 | 322,000 | 317,000 | 658,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 855,000 | 856,000 | 855,000 | 1,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,119,000 | 28,282,000 | 32,331,000 | 30,307,000 |
| Interest-bearing deposits | 24,409,000 | 22,910,000 | 24,381,000 | 23,510,000 |
| Noninterest-bearing deposits | 4,710,000 | 5,372,000 | 7,950,000 | 6,797,000 |
| Equity capital | 2,651,000 | 2,620,000 | 2,567,000 | 1,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 590,000 | 1,141,000 | 1,668,000 | 2,177,000 |
| Interest expense | 231,000 | 453,000 | 647,000 | 830,000 |
| Net interest income | 359,000 | 688,000 | 1,021,000 | 1,347,000 |
| Noninterest income | 127,000 | 251,000 | 345,000 | 395,000 |
| Noninterest expense | 476,000 | 945,000 | 1,435,000 | 1,893,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 548,000 |
| Pretax income | -5,000 | -36,000 | -114,000 | -699,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -5,000 | -36,000 | -114,000 | -699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,651,000 | 2,620,000 | 2,567,000 | 1,981,000 |
| Total capital | 2,949,000 | 2,942,000 | 2,884,000 | 2,311,000 |
| Risk-weighted assets | 28,841,000 | 29,424,000 | 28,866,000 | 26,111,000 |
Machine access — free, no API key
Every figure shown here about SAINT STEPHEN STATE BANK — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.