Call reports 2001
STAFFORD SAVINGS BANK — 2001
What STAFFORD SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 178,817,000 | 185,166,000 | 179,302,000 | 186,564,000 |
| Total loans | 90,340,000 | 90,574,000 | 90,782,000 | 93,013,000 |
| Allowance for loan losses | 2,157,000 | 2,157,000 | 2,157,000 | 2,157,000 |
| Securities available for sale | 77,131,000 | 78,963,000 | 76,314,000 | 81,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,967,000 | 131,132,000 | 130,960,000 | 133,894,000 |
| Interest-bearing deposits | 123,876,000 | 127,889,000 | 127,862,000 | 130,615,000 |
| Noninterest-bearing deposits | 3,091,000 | 3,243,000 | 3,098,000 | 3,279,000 |
| Equity capital | 45,970,000 | 47,310,000 | 43,984,000 | 46,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,351,000 | 4,893,000 | 7,259,000 | 9,831,000 |
| Interest expense | 1,354,000 | 2,726,000 | 4,058,000 | 5,229,000 |
| Net interest income | 997,000 | 2,167,000 | 3,201,000 | 4,602,000 |
| Noninterest income | 85,000 | 156,000 | 216,000 | 296,000 |
| Noninterest expense | 802,000 | 1,616,000 | 2,467,000 | 3,333,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 288,000 | 990,000 | 1,407,000 | 2,026,000 |
| Income tax | 85,000 | 240,000 | 345,000 | 320,000 |
| Net income | 203,000 | 750,000 | 1,062,000 | 1,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,430,000 | 35,977,000 | 36,289,000 | 36,934,000 |
| Total capital | 36,783,000 | 37,357,000 | 37,707,000 | 38,377,000 |
| Risk-weighted assets | 107,454,000 | 109,619,000 | 112,694,000 | 114,505,000 |