Call reports 2016
STAFFORD SAVINGS BANK — 2016
What STAFFORD SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 260,840,000 | 268,595,000 | 266,738,000 | 271,455,000 |
| Total loans | 74,383,000 | 73,833,000 | 73,004,000 | 72,070,000 |
| Allowance for loan losses | 1,378,000 | 1,381,000 | 1,382,000 | 1,335,000 |
| Securities available for sale | 132,235,000 | 129,572,000 | 134,818,000 | 136,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,199,000 | 161,039,000 | 157,239,000 | 159,471,000 |
| Interest-bearing deposits | 152,026,000 | 154,069,000 | 151,910,000 | 153,973,000 |
| Noninterest-bearing deposits | 5,173,000 | 6,970,000 | 5,329,000 | 5,498,000 |
| Equity capital | 85,790,000 | 88,218,000 | 89,410,000 | 92,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,722,000 | 3,407,000 | 5,091,000 | 6,898,000 |
| Interest expense | 175,000 | 358,000 | 540,000 | 721,000 |
| Net interest income | 1,547,000 | 3,049,000 | 4,551,000 | 6,177,000 |
| Noninterest income | 126,000 | 252,000 | 377,000 | 529,000 |
| Noninterest expense | 1,292,000 | 2,595,000 | 3,903,000 | 6,192,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 149,000 | 625,000 | 944,000 | 1,790,000 |
| Income tax | -68,000 | 7,000 | 10,000 | -65,000 |
| Net income | 217,000 | 618,000 | 934,000 | 1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,879,000 | 65,343,000 | 65,659,000 | 66,281,000 |
| Total capital | 66,257,000 | 66,724,000 | 67,041,000 | 67,616,000 |
| Risk-weighted assets | 217,955,000 | 201,949,000 | 201,433,000 | 205,282,000 |