Call reports 2002
STAFFORD SAVINGS BANK — 2002
What STAFFORD SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 190,800,000 | 189,292,000 | 183,776,000 | 187,713,000 |
| Total loans | 91,952,000 | 90,520,000 | 90,245,000 | 85,281,000 |
| Allowance for loan losses | 2,122,000 | 2,122,000 | 2,122,000 | 2,122,000 |
| Securities available for sale | 81,660,000 | 84,897,000 | 79,070,000 | 83,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,980,000 | 141,137,000 | 142,070,000 | 143,169,000 |
| Interest-bearing deposits | 135,390,000 | 137,774,000 | 138,702,000 | 140,575,000 |
| Noninterest-bearing deposits | 2,590,000 | 3,363,000 | 3,368,000 | 2,594,000 |
| Equity capital | 47,038,000 | 44,010,000 | 40,818,000 | 42,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,115,000 | 4,380,000 | 6,753,000 | 9,180,000 |
| Interest expense | 1,037,000 | 2,057,000 | 3,062,000 | 3,977,000 |
| Net interest income | 1,078,000 | 2,323,000 | 3,691,000 | 5,203,000 |
| Noninterest income | 97,000 | 183,000 | 269,000 | 338,000 |
| Noninterest expense | 818,000 | 1,744,000 | 2,592,000 | 3,564,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 703,000 | 1,121,000 | 1,727,000 | 319,000 |
| Income tax | 205,000 | 335,000 | 431,000 | -127,000 |
| Net income | 498,000 | 786,000 | 1,296,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,432,000 | 37,719,000 | 38,229,000 | 37,379,000 |
| Total capital | 38,875,000 | 39,228,000 | 39,736,000 | 38,855,000 |
| Risk-weighted assets | 114,758,000 | 120,142,000 | 119,981,000 | 117,418,000 |