Call reports 2023
STAFFORD SAVINGS BANK — 2023
What STAFFORD SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 385,519,000 | 388,818,000 | 376,719,000 | 395,028,000 |
| Total loans | 67,496,000 | 66,715,000 | 66,444,000 | 66,549,000 |
| Allowance for loan losses | 1,251,000 | 1,249,000 | 1,249,000 | 1,212,000 |
| Securities available for sale | 85,543,000 | 83,941,000 | 82,826,000 | 84,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,841,000 | 188,076,000 | 183,459,000 | 182,560,000 |
| Interest-bearing deposits | 180,095,000 | 177,242,000 | 171,727,000 | 170,718,000 |
| Noninterest-bearing deposits | 11,746,000 | 10,834,000 | 11,732,000 | 11,842,000 |
| Equity capital | 160,928,000 | 167,478,000 | 162,797,000 | 176,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,766,000 | 5,710,000 | 8,502,000 | 11,432,000 |
| Interest expense | 124,000 | 285,000 | 493,000 | 729,000 |
| Net interest income | 2,642,000 | 5,425,000 | 8,009,000 | 10,703,000 |
| Noninterest income | 251,000 | 426,000 | 591,000 | 755,000 |
| Noninterest expense | 1,356,000 | 2,637,000 | 4,048,000 | 5,632,000 |
| Provision for loan losses | 0 | 0 | 0 | -36,000 |
| Pretax income | 2,779,000 | 12,930,000 | 6,988,000 | 23,604,000 |
| Income tax | 611,000 | 3,205,000 | 1,470,000 | 5,805,000 |
| Net income | 2,168,000 | 9,725,000 | 5,518,000 | 17,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,987,000 | 171,543,000 | 167,337,000 | 179,617,000 |
| Total capital | 165,238,000 | 172,792,000 | 168,586,000 | 180,865,000 |
| Risk-weighted assets | 510,282,000 | 534,736,000 | 512,045,000 | 555,564,000 |