Call reports 2015
STATE SAVINGS BANK — 2015
What STATE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,752,000 | 76,768,000 | 66,404,000 | 68,585,000 |
| Total loans | 56,792,000 | 57,166,000 | 56,703,000 | 58,998,000 |
| Allowance for loan losses | 669,000 | 620,000 | 671,000 | 747,000 |
| Securities available for sale | 4,648,000 | 4,910,000 | 4,389,000 | 3,857,000 |
| Securities held to maturity | 846,000 | 545,000 | 544,000 | 488,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,620,000 | 69,677,000 | 58,075,000 | 59,681,000 |
| Interest-bearing deposits | 55,800,000 | 65,072,000 | 53,633,000 | 53,568,000 |
| Noninterest-bearing deposits | 4,820,000 | 4,605,000 | 4,442,000 | 6,113,000 |
| Equity capital | 6,557,000 | 6,641,000 | 6,846,000 | 6,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 677,000 | 1,397,000 | 2,127,000 | 2,853,000 |
| Interest expense | 162,000 | 319,000 | 472,000 | 635,000 |
| Net interest income | 515,000 | 1,078,000 | 1,655,000 | 2,218,000 |
| Noninterest income | 13,000 | 29,000 | 43,000 | 60,000 |
| Noninterest expense | 206,000 | 421,000 | 630,000 | 895,000 |
| Provision for loan losses | 0 | 150,000 | 225,000 | 300,000 |
| Pretax income | 322,000 | 536,000 | 843,000 | 1,088,000 |
| Income tax | 72,000 | 190,000 | 300,000 | 387,000 |
| Net income | 250,000 | 346,000 | 543,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,527,000 | 6,623,000 | 6,819,000 | 6,978,000 |
| Total capital | 7,196,000 | 7,243,000 | 7,490,000 | 7,725,000 |
| Risk-weighted assets | 60,938,000 | 63,831,000 | 61,084,000 | 67,005,000 |
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