Call reports 2012
STAFFORD SAVINGS BANK — 2012
What STAFFORD SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 226,425,000 | 229,411,000 | 230,511,000 | 231,508,000 |
| Total loans | 81,927,000 | 82,500,000 | 82,327,000 | 81,491,000 |
| Allowance for loan losses | 1,452,000 | 1,452,000 | 1,452,000 | 1,452,000 |
| Securities available for sale | 100,033,000 | 97,042,000 | 101,732,000 | 100,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,587,000 | 159,303,000 | 155,328,000 | 157,232,000 |
| Interest-bearing deposits | 150,593,000 | 153,789,000 | 149,737,000 | 151,578,000 |
| Noninterest-bearing deposits | 4,994,000 | 5,514,000 | 5,591,000 | 5,654,000 |
| Equity capital | 62,681,000 | 61,877,000 | 64,799,000 | 64,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,874,000 | 3,728,000 | 5,559,000 | 7,523,000 |
| Interest expense | 402,000 | 795,000 | 1,160,000 | 1,481,000 |
| Net interest income | 1,472,000 | 2,933,000 | 4,399,000 | 6,042,000 |
| Noninterest income | 134,000 | 249,000 | 386,000 | 515,000 |
| Noninterest expense | 1,091,000 | 2,290,000 | 3,557,000 | 4,811,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 515,000 | 878,000 | 486,000 | 1,818,000 |
| Income tax | 49,000 | 41,000 | -266,000 | 93,000 |
| Net income | 466,000 | 837,000 | 752,000 | 1,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,472,000 | 56,842,000 | 56,757,000 | 57,730,000 |
| Total capital | 57,924,000 | 58,294,000 | 58,209,000 | 59,182,000 |
| Risk-weighted assets | 122,622,000 | 127,923,000 | 127,075,000 | 125,647,000 |