Call reports 2006
STAFFORD SAVINGS BANK — 2006
What STAFFORD SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 206,200,000 | 208,818,000 | 209,736,000 | 217,486,000 |
| Total loans | 79,147,000 | 79,303,000 | 81,383,000 | 82,358,000 |
| Allowance for loan losses | 1,685,000 | 1,685,000 | 1,686,000 | 1,486,000 |
| Securities available for sale | 105,270,000 | 107,382,000 | 114,435,000 | 116,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,589,000 | 144,382,000 | 140,631,000 | 145,576,000 |
| Interest-bearing deposits | 137,572,000 | 139,747,000 | 136,346,000 | 140,818,000 |
| Noninterest-bearing deposits | 4,017,000 | 4,635,000 | 4,285,000 | 4,758,000 |
| Equity capital | 56,390,000 | 56,635,000 | 59,660,000 | 61,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,174,000 | 4,425,000 | 6,694,000 | 9,139,000 |
| Interest expense | 765,000 | 1,598,000 | 2,480,000 | 3,467,000 |
| Net interest income | 1,409,000 | 2,827,000 | 4,214,000 | 5,672,000 |
| Noninterest income | 102,000 | 206,000 | 290,000 | 389,000 |
| Noninterest expense | 935,000 | 1,920,000 | 2,868,000 | 3,938,000 |
| Provision for loan losses | 0 | 0 | 0 | -200,000 |
| Pretax income | 737,000 | 1,691,000 | 2,227,000 | 4,058,000 |
| Income tax | 207,000 | 414,000 | 489,000 | 1,112,000 |
| Net income | 530,000 | 1,277,000 | 1,738,000 | 2,946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,111,000 | 44,858,000 | 45,319,000 | 46,527,000 |
| Total capital | 45,585,000 | 46,360,000 | 46,839,000 | 48,013,000 |
| Risk-weighted assets | 117,712,000 | 119,997,000 | 121,434,000 | 123,469,000 |