Call reports 2016
STATE SAVINGS BANK — 2016
What STATE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 69,936,000 | 69,383,000 | 69,584,000 | 71,173,000 |
| Total loans | 61,184,000 | 61,511,000 | 61,441,000 | 61,121,000 |
| Allowance for loan losses | 748,000 | 755,000 | 755,000 | 756,000 |
| Securities available for sale | 3,583,000 | 3,307,000 | 3,300,000 | 3,579,000 |
| Securities held to maturity | 352,000 | 261,000 | 261,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,990,000 | 61,302,000 | 60,201,000 | 61,703,000 |
| Interest-bearing deposits | 57,162,000 | 56,826,000 | 55,834,000 | 54,670,000 |
| Noninterest-bearing deposits | 4,828,000 | 4,476,000 | 4,367,000 | 7,033,000 |
| Equity capital | 7,256,000 | 7,456,000 | 7,665,000 | 7,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 750,000 | 1,535,000 | 2,254,000 | 3,010,000 |
| Interest expense | 164,000 | 337,000 | 513,000 | 686,000 |
| Net interest income | 586,000 | 1,198,000 | 1,741,000 | 2,324,000 |
| Noninterest income | 17,000 | 35,000 | 49,000 | 64,000 |
| Noninterest expense | 206,000 | 427,000 | 643,000 | 922,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 397,000 | 706,000 | 1,047,000 | 1,366,000 |
| Income tax | 143,000 | 254,000 | 378,000 | 494,000 |
| Net income | 254,000 | 452,000 | 669,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,231,000 | 7,430,000 | 7,647,000 | 7,596,000 |
| Total capital | 7,979,000 | 8,185,000 | 8,402,000 | 8,352,000 |
| Risk-weighted assets | 64,237,000 | 65,216,000 | 65,930,000 | 65,079,000 |