Call reports 2014
STATE SAVINGS BANK — 2014
What STATE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 68,472,000 | 63,398,000 | 62,775,000 | 65,951,000 |
| Total loans | 52,398,000 | 53,265,000 | 52,137,000 | 55,640,000 |
| Allowance for loan losses | 611,000 | 465,000 | 517,000 | 668,000 |
| Securities available for sale | 5,084,000 | 4,854,000 | 4,854,000 | 4,384,000 |
| Securities held to maturity | 1,391,000 | 1,280,000 | 1,278,000 | 1,077,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,089,000 | 56,030,000 | 55,335,000 | 58,982,000 |
| Interest-bearing deposits | 56,847,000 | 51,093,000 | 50,764,000 | 52,678,000 |
| Noninterest-bearing deposits | 5,242,000 | 4,937,000 | 4,571,000 | 6,304,000 |
| Equity capital | 5,912,000 | 6,068,000 | 6,256,000 | 6,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 641,000 | 1,314,000 | 1,983,000 | 2,670,000 |
| Interest expense | 139,000 | 283,000 | 430,000 | 581,000 |
| Net interest income | 502,000 | 1,031,000 | 1,553,000 | 2,089,000 |
| Noninterest income | 12,000 | 25,000 | 39,000 | 55,000 |
| Noninterest expense | 247,000 | 465,000 | 684,000 | 959,000 |
| Provision for loan losses | 75,000 | 175,000 | 225,000 | 375,000 |
| Pretax income | 192,000 | 416,000 | 683,000 | 810,000 |
| Income tax | 66,000 | 144,000 | 221,000 | 281,000 |
| Net income | 126,000 | 272,000 | 462,000 | 529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,893,000 | 6,039,000 | 6,230,000 | 6,277,000 |
| Total capital | 6,504,000 | 6,504,000 | 6,747,000 | 6,945,000 |
| Risk-weighted assets | 56,636,000 | 56,299,000 | 55,381,000 | 58,520,000 |