Call reports 2005
STAFFORD SAVINGS BANK — 2005
What STAFFORD SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 206,728,000 | 207,375,000 | 205,492,000 | 205,959,000 |
| Total loans | 81,365,000 | 81,290,000 | 81,104,000 | 80,878,000 |
| Allowance for loan losses | 1,881,000 | 1,881,000 | 1,884,000 | 1,685,000 |
| Securities available for sale | 100,489,000 | 101,385,000 | 101,610,000 | 99,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,418,000 | 146,116,000 | 142,421,000 | 142,746,000 |
| Interest-bearing deposits | 141,790,000 | 142,096,000 | 138,526,000 | 138,054,000 |
| Noninterest-bearing deposits | 4,628,000 | 4,020,000 | 3,895,000 | 4,692,000 |
| Equity capital | 52,956,000 | 53,682,000 | 54,962,000 | 55,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,871,000 | 3,948,000 | 6,164,000 | 8,350,000 |
| Interest expense | 632,000 | 1,292,000 | 1,966,000 | 2,681,000 |
| Net interest income | 1,239,000 | 2,656,000 | 4,198,000 | 5,669,000 |
| Noninterest income | 92,000 | 172,000 | 244,000 | 391,000 |
| Noninterest expense | 844,000 | 1,762,000 | 2,563,000 | 3,790,000 |
| Provision for loan losses | 0 | 0 | 0 | -200,000 |
| Pretax income | 527,000 | 1,106,000 | 1,919,000 | 3,071,000 |
| Income tax | 135,000 | 270,000 | 457,000 | 742,000 |
| Net income | 392,000 | 836,000 | 1,462,000 | 2,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,644,000 | 42,088,000 | 42,714,000 | 43,581,000 |
| Total capital | 43,143,000 | 43,585,000 | 44,202,000 | 45,074,000 |
| Risk-weighted assets | 119,564,000 | 119,414,000 | 118,656,000 | 119,234,000 |