Call reports 2009
STAFFORD SAVINGS BANK — 2009
What STAFFORD SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 191,508,000 | 198,509,000 | 201,559,000 | 207,204,000 |
| Total loans | 84,411,000 | 84,163,000 | 85,646,000 | 86,575,000 |
| Allowance for loan losses | 1,356,000 | 1,356,000 | 1,356,000 | 1,355,000 |
| Securities available for sale | 74,837,000 | 84,248,000 | 91,766,000 | 91,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,378,000 | 151,671,000 | 149,485,000 | 152,595,000 |
| Interest-bearing deposits | 144,283,000 | 146,707,000 | 144,489,000 | 147,062,000 |
| Noninterest-bearing deposits | 4,095,000 | 4,964,000 | 4,996,000 | 5,533,000 |
| Equity capital | 40,996,000 | 44,833,000 | 49,642,000 | 52,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,101,000 | 4,209,000 | 6,281,000 | 8,344,000 |
| Interest expense | 810,000 | 1,566,000 | 2,256,000 | 2,905,000 |
| Net interest income | 1,291,000 | 2,643,000 | 4,025,000 | 5,439,000 |
| Noninterest income | 130,000 | 247,000 | 368,000 | 498,000 |
| Noninterest expense | 906,000 | 2,185,000 | 3,321,000 | 4,521,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 516,000 | 706,000 | 1,127,000 | 1,733,000 |
| Income tax | 91,000 | 100,000 | 169,000 | 154,000 |
| Net income | 425,000 | 606,000 | 958,000 | 1,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,426,000 | 47,969,000 | 51,792,000 | 52,413,000 |
| Total capital | 44,782,000 | 49,325,000 | 53,148,000 | 53,768,000 |
| Risk-weighted assets | 125,085,000 | 131,180,000 | 133,022,000 | 131,774,000 |