Call reports 2011
STATE SAVINGS BANK — 2011
What STATE SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 54,706,000 | 52,721,000 | 57,007,000 | 59,898,000 |
| Total loans | 39,929,000 | 42,973,000 | 43,624,000 | 47,135,000 |
| Allowance for loan losses | 359,000 | 384,000 | 435,000 | 434,000 |
| Securities available for sale | 588,000 | 946,000 | 659,000 | 1,945,000 |
| Securities held to maturity | 4,562,000 | 4,184,000 | 4,584,000 | 4,223,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,799,000 | 47,603,000 | 51,658,000 | 54,596,000 |
| Interest-bearing deposits | 45,937,000 | 42,556,000 | 45,717,000 | 46,404,000 |
| Noninterest-bearing deposits | 3,862,000 | 5,047,000 | 5,941,000 | 8,192,000 |
| Equity capital | 4,494,000 | 4,646,000 | 4,790,000 | 4,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 583,000 | 1,202,000 | 1,832,000 | 2,476,000 |
| Interest expense | 214,000 | 426,000 | 619,000 | 797,000 |
| Net interest income | 369,000 | 776,000 | 1,213,000 | 1,679,000 |
| Noninterest income | 14,000 | 33,000 | 50,000 | 64,000 |
| Noninterest expense | 178,000 | 356,000 | 532,000 | 827,000 |
| Provision for loan losses | 50,000 | 75,000 | 125,000 | 125,000 |
| Pretax income | 155,000 | 378,000 | 606,000 | 791,000 |
| Income tax | 48,000 | 122,000 | 197,000 | 257,000 |
| Net income | 107,000 | 256,000 | 409,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,494,000 | 4,646,000 | 4,790,000 | 4,911,000 |
| Total capital | 4,853,000 | 5,030,000 | 5,225,000 | 5,345,000 |
| Risk-weighted assets | 43,549,000 | 45,696,000 | 47,261,000 | 50,365,000 |