Call reports 2012
STATE SAVINGS BANK — 2012
What STATE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 57,740,000 | 57,072,000 | 59,365,000 | 64,841,000 |
| Total loans | 46,668,000 | 48,760,000 | 49,425,000 | 50,871,000 |
| Allowance for loan losses | 435,000 | 431,000 | 536,000 | 638,000 |
| Securities available for sale | 3,480,000 | 2,232,000 | 2,371,000 | 2,839,000 |
| Securities held to maturity | 3,569,000 | 2,515,000 | 2,511,000 | 2,322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,189,000 | 50,790,000 | 53,400,000 | 59,206,000 |
| Interest-bearing deposits | 46,136,000 | 44,971,000 | 45,483,000 | 47,542,000 |
| Noninterest-bearing deposits | 6,053,000 | 5,819,000 | 7,917,000 | 11,664,000 |
| Equity capital | 5,106,000 | 5,322,000 | 5,421,000 | 5,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 627,000 | 1,277,000 | 1,856,000 | 2,517,000 |
| Interest expense | 163,000 | 317,000 | 468,000 | 619,000 |
| Net interest income | 464,000 | 960,000 | 1,388,000 | 1,898,000 |
| Noninterest income | 14,000 | 26,000 | 36,000 | 51,000 |
| Noninterest expense | 184,000 | 386,000 | 584,000 | 876,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 200,000 |
| Pretax income | 294,000 | 600,000 | 740,000 | 873,000 |
| Income tax | 101,000 | 208,000 | 254,000 | 297,000 |
| Net income | 193,000 | 392,000 | 486,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,105,000 | 5,304,000 | 5,398,000 | 5,249,000 |
| Total capital | 5,540,000 | 5,735,000 | 5,934,000 | 5,887,000 |
| Risk-weighted assets | 50,126,000 | 51,220,000 | 52,504,000 | 54,816,000 |