Call reports 2017
STAFFORD SAVINGS BANK — 2017
What STAFFORD SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 278,744,000 | 282,998,000 | 283,834,000 | 287,741,000 |
| Total loans | 70,793,000 | 69,290,000 | 68,483,000 | 68,723,000 |
| Allowance for loan losses | 1,337,000 | 1,349,000 | 1,299,000 | 1,299,000 |
| Securities available for sale | 145,251,000 | 147,620,000 | 152,637,000 | 160,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,247,000 | 162,622,000 | 158,699,000 | 156,847,000 |
| Interest-bearing deposits | 155,148,000 | 156,829,000 | 152,054,000 | 150,299,000 |
| Noninterest-bearing deposits | 6,099,000 | 5,793,000 | 6,645,000 | 6,548,000 |
| Equity capital | 96,002,000 | 97,974,000 | 101,023,000 | 111,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,705,000 | 3,520,000 | 5,313,000 | 7,119,000 |
| Interest expense | 181,000 | 367,000 | 555,000 | 744,000 |
| Net interest income | 1,524,000 | 3,153,000 | 4,758,000 | 6,375,000 |
| Noninterest income | 462,000 | 592,000 | 713,000 | 863,000 |
| Noninterest expense | 1,316,000 | 2,596,000 | 3,836,000 | 5,221,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,165,000 | 1,176,000 | 1,662,000 | 2,213,000 |
| Income tax | 280,000 | 196,000 | 255,000 | -6,302,000 |
| Net income | 885,000 | 980,000 | 1,407,000 | 8,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,116,000 | 67,061,000 | 67,598,000 | 67,715,000 |
| Total capital | 68,453,000 | 68,410,000 | 94,085,000 | 97,137,000 |
| Risk-weighted assets | 208,970,000 | 208,256,000 | 282,967,000 | 289,695,000 |