Call reports 2011
STAFFORD SAVINGS BANK — 2011
What STAFFORD SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 217,332,000 | 221,220,000 | 212,814,000 | 217,329,000 |
| Total loans | 82,722,000 | 83,252,000 | 82,661,000 | 80,857,000 |
| Allowance for loan losses | 1,353,000 | 1,353,000 | 1,352,000 | 1,452,000 |
| Securities available for sale | 94,801,000 | 98,162,000 | 86,409,000 | 91,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,497,000 | 154,524,000 | 153,560,000 | 152,868,000 |
| Interest-bearing deposits | 147,232,000 | 149,502,000 | 148,530,000 | 148,609,000 |
| Noninterest-bearing deposits | 4,265,000 | 5,022,000 | 5,030,000 | 4,259,000 |
| Equity capital | 60,602,000 | 61,220,000 | 56,592,000 | 60,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,896,000 | 3,796,000 | 5,667,000 | 7,659,000 |
| Interest expense | 469,000 | 930,000 | 1,380,000 | 1,810,000 |
| Net interest income | 1,427,000 | 2,866,000 | 4,287,000 | 5,849,000 |
| Noninterest income | 466,000 | 611,000 | 1,806,000 | 1,930,000 |
| Noninterest expense | 1,139,000 | 2,313,000 | 3,500,000 | 4,742,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 696,000 | 1,103,000 | 2,064,000 | 2,189,000 |
| Income tax | 159,000 | 208,000 | 434,000 | 394,000 |
| Net income | 537,000 | 895,000 | 1,630,000 | 1,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,747,000 | 55,105,000 | 55,840,000 | 56,006,000 |
| Total capital | 56,101,000 | 56,458,000 | 57,192,000 | 57,458,000 |
| Risk-weighted assets | 122,332,000 | 123,421,000 | 122,237,000 | 119,203,000 |