Call reports 2003
STAFFORD SAVINGS BANK — 2003
What STAFFORD SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 189,905,000 | 197,317,000 | 197,392,000 | 200,709,000 |
| Total loans | 84,263,000 | 82,260,000 | 83,016,000 | 82,634,000 |
| Allowance for loan losses | 2,130,000 | 2,130,000 | 2,130,000 | 1,880,000 |
| Securities available for sale | 81,091,000 | 91,423,000 | 94,157,000 | 99,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,261,000 | 147,465,000 | 147,431,000 | 144,817,000 |
| Interest-bearing deposits | 142,222,000 | 143,674,000 | 143,719,000 | 141,678,000 |
| Noninterest-bearing deposits | 4,039,000 | 3,791,000 | 3,712,000 | 3,139,000 |
| Equity capital | 42,159,000 | 45,584,000 | 46,206,000 | 49,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,138,000 | 4,317,000 | 6,370,000 | 8,467,000 |
| Interest expense | 809,000 | 1,571,000 | 2,294,000 | 2,965,000 |
| Net interest income | 1,329,000 | 2,746,000 | 4,076,000 | 5,502,000 |
| Noninterest income | 83,000 | 198,000 | 282,000 | 341,000 |
| Noninterest expense | 877,000 | 1,869,000 | 2,834,000 | 4,163,000 |
| Provision for loan losses | 0 | 0 | 0 | -250,000 |
| Pretax income | 529,000 | 1,162,000 | 1,604,000 | 2,185,000 |
| Income tax | 104,000 | 337,000 | 438,000 | 548,000 |
| Net income | 425,000 | 825,000 | 1,166,000 | 1,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,805,000 | 38,205,000 | 38,546,000 | 39,017,000 |
| Total capital | 39,298,000 | 39,710,000 | 40,069,000 | 40,548,000 |
| Risk-weighted assets | 118,827,000 | 119,800,000 | 121,258,000 | 122,114,000 |