Call reports 2013
SSB BANK — 2013
What SSB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 92,844,000 | 94,528,000 | 106,004,000 | 108,388,000 |
| Total loans | 73,806,000 | 79,430,000 | 89,770,000 | 93,383,000 |
| Allowance for loan losses | 721,000 | 734,000 | 758,000 | 817,000 |
| Securities available for sale | 4,512,000 | 4,500,000 | 4,302,000 | 1,543,000 |
| Securities held to maturity | 33,000 | 30,000 | 29,000 | 29,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,555,000 | 85,107,000 | 86,425,000 | 88,704,000 |
| Interest-bearing deposits | 81,857,000 | 83,212,000 | 85,270,000 | 86,796,000 |
| Noninterest-bearing deposits | 1,698,000 | 1,895,000 | 1,155,000 | 1,908,000 |
| Equity capital | 9,135,000 | 9,203,000 | 9,357,000 | 9,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 976,000 | 1,977,000 | 3,145,000 | 4,245,000 |
| Interest expense | 310,000 | 658,000 | 1,013,000 | 1,371,000 |
| Net interest income | 666,000 | 1,319,000 | 2,132,000 | 2,874,000 |
| Noninterest income | 1,000 | 2,000 | 2,000 | -46,000 |
| Noninterest expense | 490,000 | 956,000 | 1,446,000 | 2,012,000 |
| Provision for loan losses | 25,000 | 44,000 | 83,000 | 98,000 |
| Pretax income | 152,000 | 323,000 | 598,000 | 723,000 |
| Income tax | 52,000 | 105,000 | 184,000 | 218,000 |
| Net income | 100,000 | 218,000 | 414,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,056,000 | 9,166,000 | 9,363,000 | 9,462,000 |
| Total capital | 9,659,000 | 9,798,000 | 10,078,000 | 10,207,000 |
| Risk-weighted assets | 48,084,000 | 50,441,000 | 57,156,000 | 59,490,000 |