Call reports 2014
STAFFORD SAVINGS BANK — 2014
What STAFFORD SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 250,699,000 | 258,398,000 | 253,045,000 | 257,195,000 |
| Total loans | 79,312,000 | 79,051,000 | 80,189,000 | 79,815,000 |
| Allowance for loan losses | 1,438,000 | 1,437,000 | 1,441,000 | 1,443,000 |
| Securities available for sale | 120,979,000 | 126,968,000 | 125,241,000 | 130,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,284,000 | 159,726,000 | 155,099,000 | 155,856,000 |
| Interest-bearing deposits | 151,214,000 | 154,035,000 | 150,017,000 | 150,812,000 |
| Noninterest-bearing deposits | 5,070,000 | 5,691,000 | 5,082,000 | 5,044,000 |
| Equity capital | 80,040,000 | 82,800,000 | 82,584,000 | 82,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,479,000 | 5,198,000 | 7,138,000 |
| Interest expense | 223,000 | 447,000 | 666,000 | 879,000 |
| Net interest income | 1,493,000 | 3,032,000 | 4,532,000 | 6,259,000 |
| Noninterest income | 155,000 | 293,000 | 421,000 | 539,000 |
| Noninterest expense | 1,140,000 | 2,265,000 | 3,502,000 | 5,375,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 610,000 | 1,162,000 | 2,027,000 | 2,698,000 |
| Income tax | 62,000 | 92,000 | 255,000 | 334,000 |
| Net income | 548,000 | 1,070,000 | 1,772,000 | 2,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,491,000 | 61,013,000 | 61,715,000 | 62,307,000 |
| Total capital | 61,929,000 | 62,450,000 | 63,156,000 | 63,750,000 |
| Risk-weighted assets | 119,600,000 | 117,241,000 | 118,792,000 | 120,220,000 |