Call reports 2012
SSB BANK — 2012
What SSB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 89,120,000 | 89,361,000 | 92,931,000 | 90,663,000 |
| Total loans | 74,126,000 | 74,266,000 | 76,240,000 | 75,272,000 |
| Allowance for loan losses | 599,000 | 639,000 | 698,000 | 696,000 |
| Securities available for sale | 4,557,000 | 4,550,000 | 4,769,000 | 4,687,000 |
| Securities held to maturity | 39,000 | 38,000 | 36,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,003,000 | 80,183,000 | 83,541,000 | 81,201,000 |
| Interest-bearing deposits | 78,430,000 | 78,538,000 | 82,757,000 | 79,871,000 |
| Noninterest-bearing deposits | 1,573,000 | 1,645,000 | 784,000 | 1,330,000 |
| Equity capital | 8,612,000 | 8,724,000 | 8,940,000 | 9,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,024,000 | 2,010,000 | 3,135,000 | 4,190,000 |
| Interest expense | 398,000 | 778,000 | 1,156,000 | 1,531,000 |
| Net interest income | 626,000 | 1,232,000 | 1,979,000 | 2,659,000 |
| Noninterest income | 0 | 0 | 2,000 | 3,000 |
| Noninterest expense | 482,000 | 919,000 | 1,368,000 | 1,858,000 |
| Provision for loan losses | 140,000 | 181,000 | 239,000 | 249,000 |
| Pretax income | 6,000 | 180,000 | 423,000 | 604,000 |
| Income tax | 59,000 | 91,000 | 143,000 | 219,000 |
| Net income | -53,000 | 89,000 | 280,000 | 385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,517,000 | 8,660,000 | 8,852,000 | 8,957,000 |
| Total capital | 9,071,000 | 9,239,000 | 9,454,000 | 9,525,000 |
| Risk-weighted assets | 44,245,000 | 46,290,000 | 48,058,000 | 45,318,000 |