Call reports 2020
STAFFORD SAVINGS BANK — 2020
What STAFFORD SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 290,826,000 | 314,791,000 | 319,649,000 | 339,934,000 |
| Total loans | 67,738,000 | 68,644,000 | 68,435,000 | 68,275,000 |
| Allowance for loan losses | 1,289,000 | 1,266,000 | 1,258,000 | 1,258,000 |
| Securities available for sale | 40,723,000 | 37,659,000 | 33,823,000 | 28,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,694,000 | 167,065,000 | 165,216,000 | 170,994,000 |
| Interest-bearing deposits | 145,275,000 | 156,655,000 | 155,587,000 | 161,569,000 |
| Noninterest-bearing deposits | 9,419,000 | 10,410,000 | 9,629,000 | 9,425,000 |
| Equity capital | 111,108,000 | 122,711,000 | 129,437,000 | 139,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,875,000 | 3,596,000 | 5,293,000 | 7,070,000 |
| Interest expense | 193,000 | 380,000 | 549,000 | 711,000 |
| Net interest income | 1,682,000 | 3,216,000 | 4,744,000 | 6,359,000 |
| Noninterest income | 156,000 | 280,000 | 413,000 | 540,000 |
| Noninterest expense | 1,273,000 | 2,584,000 | 3,947,000 | 6,327,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -23,841,000 | -8,047,000 | 1,129,000 | 14,789,000 |
| Income tax | -6,511,000 | -2,378,000 | -25,000 | 3,662,000 |
| Net income | -17,330,000 | -5,669,000 | 1,154,000 | 11,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,589,000 | 124,250,000 | 131,073,000 | 141,046,000 |
| Total capital | 113,878,000 | 125,516,000 | 132,331,000 | 142,304,000 |
| Risk-weighted assets | 342,347,000 | 392,730,000 | 415,934,000 | 453,665,000 |