Call reports 2004
STAFFORD SAVINGS BANK — 2004
What STAFFORD SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 202,256,000 | 203,820,000 | 201,643,000 | 209,054,000 |
| Total loans | 82,131,000 | 81,992,000 | 82,257,000 | 80,542,000 |
| Allowance for loan losses | 1,880,000 | 1,880,000 | 1,880,000 | 1,880,000 |
| Securities available for sale | 98,819,000 | 95,830,000 | 97,749,000 | 100,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,404,000 | 146,448,000 | 144,250,000 | 147,641,000 |
| Interest-bearing deposits | 142,240,000 | 142,434,000 | 140,872,000 | 144,079,000 |
| Noninterest-bearing deposits | 3,164,000 | 4,014,000 | 3,378,000 | 3,562,000 |
| Equity capital | 50,182,000 | 50,532,000 | 50,695,000 | 53,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,826,000 | 3,774,000 | 5,745,000 | 7,872,000 |
| Interest expense | 641,000 | 1,268,000 | 1,901,000 | 2,552,000 |
| Net interest income | 1,185,000 | 2,506,000 | 3,844,000 | 5,320,000 |
| Noninterest income | 106,000 | 197,000 | 272,000 | 346,000 |
| Noninterest expense | 809,000 | 1,865,000 | 2,801,000 | 3,795,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 829,000 | 1,417,000 | 1,894,000 | 3,151,000 |
| Income tax | 269,000 | 475,000 | 569,000 | 917,000 |
| Net income | 560,000 | 942,000 | 1,325,000 | 2,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,577,000 | 39,960,000 | 40,343,000 | 41,252,000 |
| Total capital | 41,097,000 | 41,433,000 | 41,811,000 | 42,727,000 |
| Risk-weighted assets | 121,250,000 | 117,472,000 | 117,106,000 | 117,581,000 |