Call reports 2009
SAINT STEPHEN STATE BANK — 2009
What SAINT STEPHEN STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 29,494,000 | 25,879,000 | 24,742,000 | 22,895,000 |
| Total loans | 23,185,000 | 23,244,000 | 21,508,000 | 19,809,000 |
| Allowance for loan losses | 681,000 | 1,070,000 | 1,843,000 | 2,525,000 |
| Securities available for sale | 500,000 | 0 | 0 | 0 |
| Securities held to maturity | 1,153,000 | 1,152,000 | 652,000 | 651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,464,000 | 24,037,000 | 23,383,000 | 23,912,000 |
| Interest-bearing deposits | 22,837,000 | 19,893,000 | 19,490,000 | 20,285,000 |
| Noninterest-bearing deposits | 4,628,000 | 4,144,000 | 3,892,000 | 3,627,000 |
| Equity capital | 1,659,000 | 1,180,000 | 49,000 | -1,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 408,000 | 803,000 | 1,163,000 | 1,421,000 |
| Interest expense | 166,000 | 305,000 | 430,000 | 547,000 |
| Net interest income | 242,000 | 498,000 | 733,000 | 874,000 |
| Noninterest income | 61,000 | 223,000 | 262,000 | 299,000 |
| Noninterest expense | 467,000 | 935,000 | 1,433,000 | 1,879,000 |
| Provision for loan losses | 157,000 | 585,000 | 1,493,000 | 2,493,000 |
| Pretax income | -321,000 | -799,000 | -1,931,000 | -3,199,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | -323,000 | -801,000 | -1,933,000 | -3,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,659,000 | 1,180,000 | 49,000 | -1,219,000 |
| Total capital | 1,962,000 | 1,481,000 | 98,000 | -1,219,000 |
| Risk-weighted assets | 23,835,000 | 23,312,000 | 21,079,000 | 18,448,000 |