Call reports 2010
SSB BANK — 2010
What SSB BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 79,821,000 | 82,186,000 | 88,036,000 | 83,478,000 |
| Total loans | 53,081,000 | 57,003,000 | 63,904,000 | 64,452,000 |
| Allowance for loan losses | 247,000 | 272,000 | 360,000 | 438,000 |
| Securities available for sale | 6,653,000 | 7,018,000 | 4,445,000 | 4,327,000 |
| Securities held to maturity | 1,055,000 | 552,000 | 550,000 | 550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,785,000 | 63,955,000 | 69,766,000 | 71,085,000 |
| Interest-bearing deposits | 61,074,000 | 63,017,000 | 69,392,000 | 70,283,000 |
| Noninterest-bearing deposits | 711,000 | 938,000 | 374,000 | 802,000 |
| Equity capital | 8,079,000 | 8,296,000 | 8,575,000 | 8,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 978,000 | 1,974,000 | 3,076,000 | 4,035,000 |
| Interest expense | 492,000 | 983,000 | 1,496,000 | 1,969,000 |
| Net interest income | 486,000 | 991,000 | 1,580,000 | 2,066,000 |
| Noninterest income | 3,000 | 1,000 | 1,000 | 1,000 |
| Noninterest expense | 250,000 | 603,000 | 964,000 | 1,429,000 |
| Provision for loan losses | 40,000 | 65,000 | 135,000 | 264,000 |
| Pretax income | 227,000 | 372,000 | 798,000 | 690,000 |
| Income tax | 65,000 | 118,000 | 167,000 | 264,000 |
| Net income | 162,000 | 254,000 | 631,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,054,000 | 8,148,000 | 8,524,000 | 8,277,000 |
| Total capital | 8,301,000 | 8,420,000 | 8,884,000 | 8,715,000 |
| Risk-weighted assets | 58,023,000 | 61,259,000 | 40,734,000 | 43,665,000 |