Call reports 2018
STATE SAVINGS BANK — 2018
What STATE SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 73,470,000 | 73,785,000 | 73,638,000 | 76,069,000 |
| Total loans | 65,223,000 | 65,092,000 | 64,407,000 | 64,359,000 |
| Allowance for loan losses | 856,000 | 856,000 | 621,000 | 1,021,000 |
| Securities available for sale | 3,243,000 | 2,637,000 | 2,657,000 | 2,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,307,000 | 63,685,000 | 64,559,000 | 67,356,000 |
| Interest-bearing deposits | 58,726,000 | 58,659,000 | 60,080,000 | 60,358,000 |
| Noninterest-bearing deposits | 5,581,000 | 5,026,000 | 4,479,000 | 6,998,000 |
| Equity capital | 8,381,000 | 8,531,000 | 8,575,000 | 8,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 801,000 | 1,651,000 | 2,556,000 | 3,445,000 |
| Interest expense | 206,000 | 436,000 | 713,000 | 1,010,000 |
| Net interest income | 595,000 | 1,215,000 | 1,843,000 | 2,435,000 |
| Noninterest income | 17,000 | 38,000 | 65,000 | 84,000 |
| Noninterest expense | 215,000 | 452,000 | 694,000 | 982,000 |
| Provision for loan losses | 100,000 | 300,000 | 650,000 | 1,350,000 |
| Pretax income | 297,000 | 501,000 | 564,000 | 187,000 |
| Income tax | 74,000 | 128,000 | 141,000 | 42,000 |
| Net income | 223,000 | 373,000 | 423,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,391,000 | 8,540,000 | 8,590,000 | 8,312,000 |
| Total capital | 9,247,000 | 9,396,000 | 9,211,000 | 9,171,000 |
| Risk-weighted assets | 70,106,000 | 69,259,000 | 68,452,000 | 68,570,000 |