Call reports 2007
STATE SAVINGS BANK — 2007
What STATE SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 43,017,000 | 41,219,000 | 42,574,000 | 50,046,000 |
| Total loans | 35,307,000 | 36,528,000 | 36,812,000 | 37,027,000 |
| Allowance for loan losses | 402,000 | 424,000 | 504,000 | 434,000 |
| Securities available for sale | 691,000 | 690,000 | 680,000 | 475,000 |
| Securities held to maturity | 1,524,000 | 1,705,000 | 1,704,000 | 1,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,505,000 | 34,531,000 | 37,858,000 | 45,389,000 |
| Interest-bearing deposits | 35,895,000 | 32,754,000 | 36,412,000 | 42,444,000 |
| Noninterest-bearing deposits | 2,610,000 | 1,777,000 | 1,446,000 | 2,944,000 |
| Equity capital | 4,065,000 | 3,896,000 | 4,000,000 | 4,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 741,000 | 1,621,000 | 2,413,000 | 3,201,000 |
| Interest expense | 371,000 | 753,000 | 1,170,000 | 1,585,000 |
| Net interest income | 370,000 | 868,000 | 1,243,000 | 1,616,000 |
| Noninterest income | 12,000 | 30,000 | 44,000 | 59,000 |
| Noninterest expense | 125,000 | 249,000 | 374,000 | 640,000 |
| Provision for loan losses | 0 | 0 | 85,000 | 85,000 |
| Pretax income | 257,000 | 649,000 | 828,000 | 950,000 |
| Income tax | 92,000 | 233,000 | 309,000 | 334,000 |
| Net income | 165,000 | 416,000 | 519,000 | 616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,066,000 | 3,897,000 | 4,000,000 | 4,097,000 |
| Total capital | 4,468,000 | 4,321,000 | 4,483,000 | 4,531,000 |
| Risk-weighted assets | 37,297,000 | 38,058,000 | 38,652,000 | 40,262,000 |
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