Call reports 2015
STAFFORD SAVINGS BANK — 2015
What STAFFORD SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 259,918,000 | 261,276,000 | 248,767,000 | 255,396,000 |
| Total loans | 78,934,000 | 77,272,000 | 75,976,000 | 75,064,000 |
| Allowance for loan losses | 1,446,000 | 1,445,000 | 1,375,000 | 1,378,000 |
| Securities available for sale | 127,679,000 | 126,546,000 | 120,677,000 | 129,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,051,000 | 161,382,000 | 154,383,000 | 156,318,000 |
| Interest-bearing deposits | 152,984,000 | 155,049,000 | 148,863,000 | 151,150,000 |
| Noninterest-bearing deposits | 6,067,000 | 6,333,000 | 5,520,000 | 5,168,000 |
| Equity capital | 82,692,000 | 82,336,000 | 79,136,000 | 82,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,754,000 | 3,496,000 | 5,194,000 | 6,988,000 |
| Interest expense | 202,000 | 395,000 | 577,000 | 756,000 |
| Net interest income | 1,552,000 | 3,101,000 | 4,617,000 | 6,232,000 |
| Noninterest income | 133,000 | 261,000 | 384,000 | 514,000 |
| Noninterest expense | 1,188,000 | 2,422,000 | 3,765,000 | 5,239,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 533,000 | 1,708,000 | 2,004,000 | 3,400,000 |
| Income tax | 12,000 | 278,000 | 230,000 | 575,000 |
| Net income | 521,000 | 1,430,000 | 1,774,000 | 2,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,676,000 | 63,584,000 | 63,771,000 | 64,725,000 |
| Total capital | 64,122,000 | 65,029,000 | 65,146,000 | 66,103,000 |
| Risk-weighted assets | 233,845,000 | 236,009,000 | 234,152,000 | 232,355,000 |