Call reports 2019
STAFFORD SAVINGS BANK — 2019
What STAFFORD SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 291,942,000 | 295,548,000 | 296,480,000 | 303,757,000 |
| Total loans | 66,241,000 | 66,017,000 | 65,883,000 | 67,215,000 |
| Allowance for loan losses | 1,291,000 | 1,292,000 | 1,292,000 | 1,292,000 |
| Securities available for sale | 51,345,000 | 49,742,000 | 45,095,000 | 41,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,468,000 | 152,482,000 | 151,967,000 | 150,919,000 |
| Interest-bearing deposits | 145,074,000 | 144,463,000 | 144,032,000 | 142,787,000 |
| Noninterest-bearing deposits | 8,394,000 | 8,019,000 | 7,935,000 | 8,132,000 |
| Equity capital | 118,209,000 | 121,203,000 | 122,433,000 | 128,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,032,000 | 4,079,000 | 6,097,000 | 8,067,000 |
| Interest expense | 185,000 | 377,000 | 571,000 | 765,000 |
| Net interest income | 1,847,000 | 3,702,000 | 5,526,000 | 7,302,000 |
| Noninterest income | 144,000 | 275,000 | 422,000 | 549,000 |
| Noninterest expense | 1,236,000 | 2,685,000 | 3,927,000 | 5,378,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,590,000 | 16,057,000 | 17,477,000 | 25,523,000 |
| Income tax | 3,276,000 | 4,096,000 | 4,376,000 | 6,435,000 |
| Net income | 9,314,000 | 11,961,000 | 13,101,000 | 19,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 120,003,000 | 122,691,000 | 123,882,000 | 129,852,000 |
| Total capital | 121,294,000 | 123,983,000 | 125,174,000 | 131,144,000 |
| Risk-weighted assets | 364,132,000 | 375,416,000 | 376,441,000 | 398,123,000 |