Call reports 2007
STAFFORD SAVINGS BANK — 2007
What STAFFORD SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 218,398,000 | 222,036,000 | 221,035,000 | 217,280,000 |
| Total loans | 83,248,000 | 83,282,000 | 83,277,000 | 83,236,000 |
| Allowance for loan losses | 1,486,000 | 1,486,000 | 1,486,000 | 1,360,000 |
| Securities available for sale | 118,175,000 | 122,783,000 | 119,841,000 | 115,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,152,000 | 147,222,000 | 144,848,000 | 144,072,000 |
| Interest-bearing deposits | 141,846,000 | 142,586,000 | 140,851,000 | 139,878,000 |
| Noninterest-bearing deposits | 4,306,000 | 4,636,000 | 3,997,000 | 4,194,000 |
| Equity capital | 61,834,000 | 64,010,000 | 65,234,000 | 63,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,244,000 | 4,639,000 | 6,999,000 | 9,605,000 |
| Interest expense | 1,044,000 | 2,147,000 | 3,264,000 | 4,386,000 |
| Net interest income | 1,200,000 | 2,492,000 | 3,735,000 | 5,219,000 |
| Noninterest income | 96,000 | 187,000 | 290,000 | 411,000 |
| Noninterest expense | 874,000 | 1,855,000 | 2,823,000 | 3,922,000 |
| Provision for loan losses | 0 | 0 | 0 | -125,000 |
| Pretax income | 1,897,000 | 2,320,000 | 2,698,000 | 3,561,000 |
| Income tax | 580,000 | 579,000 | 558,000 | 642,000 |
| Net income | 1,317,000 | 1,741,000 | 2,140,000 | 2,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,844,000 | 48,268,000 | 48,667,000 | 49,446,000 |
| Total capital | 49,330,000 | 49,754,000 | 50,153,000 | 50,806,000 |
| Risk-weighted assets | 131,386,000 | 132,678,000 | 130,797,000 | 130,537,000 |