Call reports 2010
STAFFORD SAVINGS BANK — 2010
What STAFFORD SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 208,260,000 | 205,001,000 | 208,260,000 | 213,231,000 |
| Total loans | 86,526,000 | 84,449,000 | 84,787,000 | 83,893,000 |
| Allowance for loan losses | 1,354,000 | 1,354,000 | 1,354,000 | 1,354,000 |
| Securities available for sale | 92,306,000 | 85,097,000 | 90,897,000 | 93,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,567,000 | 151,558,000 | 150,756,000 | 151,381,000 |
| Interest-bearing deposits | 147,670,000 | 147,272,000 | 146,780,000 | 147,208,000 |
| Noninterest-bearing deposits | 3,897,000 | 4,286,000 | 3,976,000 | 4,173,000 |
| Equity capital | 54,493,000 | 51,033,000 | 54,984,000 | 58,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,036,000 | 4,051,000 | 6,016,000 | 8,108,000 |
| Interest expense | 593,000 | 1,152,000 | 1,657,000 | 2,151,000 |
| Net interest income | 1,443,000 | 2,899,000 | 4,359,000 | 5,957,000 |
| Noninterest income | 141,000 | 276,000 | 411,000 | 537,000 |
| Noninterest expense | 944,000 | 2,129,000 | 3,355,000 | 4,509,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 727,000 | 1,668,000 | 2,037,000 | 2,075,000 |
| Income tax | 200,000 | 499,000 | 526,000 | 277,000 |
| Net income | 527,000 | 1,169,000 | 1,511,000 | 1,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,940,000 | 53,582,000 | 53,924,000 | 54,211,000 |
| Total capital | 54,294,000 | 54,936,000 | 55,278,000 | 55,565,000 |
| Risk-weighted assets | 128,146,000 | 130,897,000 | 130,304,000 | 127,489,000 |