Call reports 2013
STATE SAVINGS BANK — 2013
What STATE SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 64,512,000 | 62,342,000 | 66,026,000 | 67,331,000 |
| Total loans | 48,145,000 | 52,353,000 | 50,740,000 | 53,924,000 |
| Allowance for loan losses | 432,000 | 434,000 | 434,000 | 535,000 |
| Securities available for sale | 4,052,000 | 3,548,000 | 4,747,000 | 4,963,000 |
| Securities held to maturity | 2,233,000 | 1,975,000 | 2,022,000 | 1,758,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,746,000 | 56,499,000 | 59,796,000 | 61,159,000 |
| Interest-bearing deposits | 51,083,000 | 52,010,000 | 52,893,000 | 51,570,000 |
| Noninterest-bearing deposits | 7,663,000 | 4,489,000 | 6,903,000 | 9,589,000 |
| Equity capital | 5,387,000 | 5,429,000 | 5,666,000 | 5,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 587,000 | 1,241,000 | 1,908,000 | 2,565,000 |
| Interest expense | 134,000 | 273,000 | 417,000 | 560,000 |
| Net interest income | 453,000 | 968,000 | 1,491,000 | 2,005,000 |
| Noninterest income | 16,000 | 33,000 | 50,000 | 69,000 |
| Noninterest expense | 190,000 | 409,000 | 601,000 | 868,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 200,000 |
| Pretax income | 179,000 | 492,000 | 840,000 | 1,006,000 |
| Income tax | 61,000 | 172,000 | 296,000 | 352,000 |
| Net income | 118,000 | 320,000 | 544,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,367,000 | 5,434,000 | 5,658,000 | 5,767,000 |
| Total capital | 5,799,000 | 5,868,000 | 6,092,000 | 6,302,000 |
| Risk-weighted assets | 52,181,000 | 55,204,000 | 54,978,000 | 57,335,000 |