Call reports 2021
STAFFORD SAVINGS BANK — 2021
What STAFFORD SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 365,788,000 | 375,754,000 | 376,056,000 | 402,842,000 |
| Total loans | 68,357,000 | 67,671,000 | 68,212,000 | 66,995,000 |
| Allowance for loan losses | 1,258,000 | 1,258,000 | 1,259,000 | 1,258,000 |
| Securities available for sale | 25,951,000 | 21,738,000 | 24,534,000 | 36,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,667,000 | 189,265,000 | 190,778,000 | 197,459,000 |
| Interest-bearing deposits | 173,916,000 | 178,194,000 | 180,299,000 | 185,773,000 |
| Noninterest-bearing deposits | 11,751,000 | 11,071,000 | 10,479,000 | 11,686,000 |
| Equity capital | 147,712,000 | 152,575,000 | 151,838,000 | 166,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,693,000 | 3,393,000 | 5,051,000 | 6,816,000 |
| Interest expense | 149,000 | 294,000 | 431,000 | 567,000 |
| Net interest income | 1,544,000 | 3,099,000 | 4,620,000 | 6,249,000 |
| Noninterest income | 154,000 | 333,000 | 497,000 | 640,000 |
| Noninterest expense | 1,196,000 | 2,510,000 | 3,885,000 | 5,617,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,693,000 | 18,236,000 | 17,091,000 | 36,900,000 |
| Income tax | 3,043,000 | 4,627,000 | 4,186,000 | 9,516,000 |
| Net income | 8,650,000 | 13,609,000 | 12,905,000 | 27,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 149,695,000 | 154,655,000 | 153,951,000 | 168,430,000 |
| Total capital | 150,953,000 | 155,913,000 | 155,210,000 | 169,688,000 |
| Risk-weighted assets | 491,179,000 | 502,450,000 | 498,275,000 | 561,958,000 |