Call reports 2025
STAFFORD SAVINGS BANK — 2025
What STAFFORD SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 431,234,000 | 448,845,000 | 459,238,000 | 475,408,000 |
| Total loans | 65,345,000 | 66,940,000 | 66,821,000 | 67,320,000 |
| Allowance for loan losses | 1,200,000 | 1,198,000 | 1,177,000 | 1,248,000 |
| Securities available for sale | 90,086,000 | 90,591,000 | 90,924,000 | 96,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,472,000 | 188,024,000 | 187,065,000 | 196,656,000 |
| Interest-bearing deposits | 172,465,000 | 177,211,000 | 175,571,000 | 182,323,000 |
| Noninterest-bearing deposits | 12,007,000 | 10,813,000 | 11,494,000 | 14,333,000 |
| Equity capital | 203,939,000 | 214,770,000 | 223,411,000 | 228,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,889,000 | 5,997,000 | 9,045,000 | 12,256,000 |
| Interest expense | 338,000 | 700,000 | 1,082,000 | 1,479,000 |
| Net interest income | 2,551,000 | 5,297,000 | 7,963,000 | 10,777,000 |
| Noninterest income | 198,000 | 367,000 | 584,000 | 760,000 |
| Noninterest expense | 1,405,000 | 2,891,000 | 4,409,000 | 6,204,000 |
| Provision for loan losses | 0 | 0 | -21,000 | 61,000 |
| Pretax income | 1,481,000 | 15,536,000 | 26,520,000 | 32,891,000 |
| Income tax | 268,000 | 3,951,000 | 6,631,000 | 8,224,000 |
| Net income | 1,213,000 | 11,585,000 | 19,889,000 | 24,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 204,426,000 | 214,798,000 | 223,101,000 | 227,879,000 |
| Total capital | 205,663,000 | 216,035,000 | 224,338,000 | 229,188,000 |
| Risk-weighted assets | 625,670,000 | 663,852,000 | 692,518,000 | 706,903,000 |