Call reports 2024
STAFFORD SAVINGS BANK — 2024
What STAFFORD SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 414,773,000 | 414,732,000 | 429,444,000 | 424,873,000 |
| Total loans | 65,920,000 | 65,412,000 | 64,275,000 | 64,945,000 |
| Allowance for loan losses | 1,203,000 | 1,202,000 | 1,201,000 | 1,200,000 |
| Securities available for sale | 84,012,000 | 88,556,000 | 90,385,000 | 84,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,803,000 | 183,063,000 | 179,839,000 | 181,026,000 |
| Interest-bearing deposits | 173,378,000 | 171,726,000 | 168,664,000 | 170,284,000 |
| Noninterest-bearing deposits | 11,425,000 | 11,337,000 | 11,175,000 | 10,742,000 |
| Equity capital | 190,154,000 | 191,731,000 | 205,069,000 | 200,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,925,000 | 5,981,000 | 8,847,000 | 11,797,000 |
| Interest expense | 275,000 | 581,000 | 909,000 | 1,244,000 |
| Net interest income | 2,650,000 | 5,400,000 | 7,938,000 | 10,553,000 |
| Noninterest income | 172,000 | 353,000 | 528,000 | 713,000 |
| Noninterest expense | 1,556,000 | 3,048,000 | 4,572,000 | 6,076,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 18,804,000 | 20,565,000 | 36,155,000 | 31,576,000 |
| Income tax | 4,894,000 | 5,239,000 | 9,297,000 | 7,982,000 |
| Net income | 13,910,000 | 15,326,000 | 26,858,000 | 23,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 193,528,000 | 194,945,000 | 206,477,000 | 203,212,000 |
| Total capital | 194,768,000 | 196,183,000 | 207,715,000 | 204,449,000 |
| Risk-weighted assets | 599,937,000 | 600,255,000 | 640,284,000 | 624,570,000 |