Call reports 2008
STAFFORD SAVINGS BANK — 2008
What STAFFORD SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 214,760,000 | 211,936,000 | 203,400,000 | 195,629,000 |
| Total loans | 83,361,000 | 83,077,000 | 83,704,000 | 83,689,000 |
| Allowance for loan losses | 1,360,000 | 1,359,000 | 1,358,000 | 1,358,000 |
| Securities available for sale | 111,262,000 | 106,688,000 | 97,199,000 | 83,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,231,000 | 147,194,000 | 145,258,000 | 146,818,000 |
| Interest-bearing deposits | 141,787,000 | 142,289,000 | 140,972,000 | 143,348,000 |
| Noninterest-bearing deposits | 4,444,000 | 4,905,000 | 4,286,000 | 3,470,000 |
| Equity capital | 60,163,000 | 58,464,000 | 53,301,000 | 46,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,317,000 | 4,607,000 | 6,853,000 | 9,067,000 |
| Interest expense | 1,068,000 | 2,019,000 | 2,880,000 | 3,771,000 |
| Net interest income | 1,249,000 | 2,588,000 | 3,973,000 | 5,296,000 |
| Noninterest income | 144,000 | 261,000 | 391,000 | 511,000 |
| Noninterest expense | 869,000 | 1,941,000 | 2,925,000 | 4,082,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 480,000 | 1,758,000 | -1,724,000 | 784,000 |
| Income tax | 17,000 | 368,000 | -1,113,000 | -502,000 |
| Net income | 463,000 | 1,390,000 | -611,000 | 1,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,909,000 | 50,836,000 | 48,835,000 | 48,162,000 |
| Total capital | 51,269,000 | 52,195,000 | 50,193,000 | 49,520,000 |
| Risk-weighted assets | 130,997,000 | 130,686,000 | 127,871,000 | 128,691,000 |