Call reports 2013
STAFFORD SAVINGS BANK — 2013
What STAFFORD SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 238,812,000 | 238,360,000 | 237,144,000 | 246,546,000 |
| Total loans | 80,609,000 | 79,017,000 | 79,659,000 | 79,423,000 |
| Allowance for loan losses | 1,452,000 | 1,364,000 | 1,333,000 | 1,435,000 |
| Securities available for sale | 106,155,000 | 109,890,000 | 113,503,000 | 120,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,613,000 | 155,912,000 | 151,710,000 | 154,208,000 |
| Interest-bearing deposits | 150,770,000 | 149,889,000 | 146,104,000 | 149,186,000 |
| Noninterest-bearing deposits | 5,843,000 | 6,023,000 | 5,606,000 | 5,022,000 |
| Equity capital | 69,289,000 | 69,628,000 | 71,474,000 | 76,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,748,000 | 3,500,000 | 5,287,000 | 7,230,000 |
| Interest expense | 295,000 | 555,000 | 796,000 | 1,017,000 |
| Net interest income | 1,453,000 | 2,945,000 | 4,491,000 | 6,213,000 |
| Noninterest income | 122,000 | 291,000 | 466,000 | 571,000 |
| Noninterest expense | 1,158,000 | 2,394,000 | 3,714,000 | 4,944,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 55,000 | 1,125,000 | 1,319,000 | 2,520,000 |
| Income tax | 5,000 | 197,000 | 10,000 | 308,000 |
| Net income | 50,000 | 928,000 | 1,309,000 | 2,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,781,000 | 58,659,000 | 59,040,000 | 59,943,000 |
| Total capital | 59,233,000 | 60,023,000 | 60,373,000 | 61,378,000 |
| Risk-weighted assets | 122,288,000 | 122,964,000 | 122,740,000 | 121,658,000 |