Call reports 2019
STATE SAVINGS BANK — 2019
What STATE SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 74,732,000 | 74,720,000 | 75,587,000 | 77,040,000 |
| Total loans | 67,029,000 | 66,315,000 | 64,814,000 | 63,359,000 |
| Allowance for loan losses | 1,671,000 | 1,602,000 | 1,389,000 | 1,501,000 |
| Securities available for sale | 2,214,000 | 1,561,000 | 1,839,000 | 1,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,915,000 | 65,802,000 | 66,358,000 | 67,947,000 |
| Interest-bearing deposits | 59,252,000 | 61,275,000 | 61,772,000 | 62,535,000 |
| Noninterest-bearing deposits | 5,663,000 | 4,527,000 | 4,586,000 | 5,412,000 |
| Equity capital | 8,109,000 | 8,411,000 | 8,696,000 | 8,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 892,000 | 1,826,000 | 2,749,000 | 3,610,000 |
| Interest expense | 304,000 | 630,000 | 968,000 | 1,309,000 |
| Net interest income | 588,000 | 1,196,000 | 1,781,000 | 2,301,000 |
| Noninterest income | 13,000 | 31,000 | 46,000 | 66,000 |
| Noninterest expense | 220,000 | 449,000 | 673,000 | 947,000 |
| Provision for loan losses | 650,000 | 650,000 | 650,000 | 875,000 |
| Pretax income | -269,000 | 128,000 | 504,000 | 545,000 |
| Income tax | -68,000 | 32,000 | 123,000 | 132,000 |
| Net income | -201,000 | 96,000 | 381,000 | 413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,111,000 | 8,410,000 | 8,695,000 | 8,727,000 |
| Total capital | 8,979,000 | 9,280,000 | 9,596,000 | 9,628,000 |
| Risk-weighted assets | 68,678,000 | 68,884,000 | 71,624,000 | 71,513,000 |