Call reports 2018
STAFFORD SAVINGS BANK — 2018
What STAFFORD SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 284,853,000 | 286,460,000 | 288,729,000 | 277,570,000 |
| Total loans | 67,949,000 | 66,971,000 | 66,274,000 | 66,302,000 |
| Allowance for loan losses | 1,299,000 | 1,299,000 | 1,291,000 | 1,291,000 |
| Securities available for sale | 151,484,000 | 157,418,000 | 167,615,000 | 150,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,304,000 | 158,313,000 | 153,015,000 | 151,489,000 |
| Interest-bearing deposits | 151,153,000 | 150,633,000 | 146,207,000 | 144,278,000 |
| Noninterest-bearing deposits | 7,151,000 | 7,680,000 | 6,808,000 | 7,211,000 |
| Equity capital | 108,168,000 | 109,405,000 | 115,186,000 | 107,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,810,000 | 3,663,000 | 5,610,000 | 7,568,000 |
| Interest expense | 185,000 | 369,000 | 562,000 | 756,000 |
| Net interest income | 1,625,000 | 3,294,000 | 5,048,000 | 6,812,000 |
| Noninterest income | 152,000 | 292,000 | 418,000 | 567,000 |
| Noninterest expense | 1,268,000 | 2,650,000 | 3,970,000 | 5,465,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 425,000 | 853,000 | 2,824,000 | 2,707,000 |
| Income tax | 19,000 | 35,000 | 470,000 | 277,000 |
| Net income | 406,000 | 818,000 | 2,354,000 | 2,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,078,000 | 68,562,000 | 70,300,000 | 70,538,000 |
| Total capital | 95,635,000 | 96,670,000 | 101,142,000 | 96,430,000 |
| Risk-weighted assets | 253,234,000 | 252,800,000 | 261,732,000 | 242,621,000 |