Call reports 2015
SSB BANK — 2015
What SSB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 122,765,000 | 122,537,000 | 127,251,000 | 127,799,000 |
| Total loans | 104,076,000 | 111,984,000 | 104,487,000 | 104,605,000 |
| Allowance for loan losses | 975,000 | 1,018,000 | 1,043,000 | 1,024,000 |
| Securities available for sale | 2,287,000 | 2,730,000 | 2,696,000 | 3,043,000 |
| Securities held to maturity | 21,000 | 20,000 | 20,000 | 18,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,291,000 | 99,789,000 | 97,048,000 | 97,600,000 |
| Interest-bearing deposits | 97,670,000 | 96,623,000 | 95,007,000 | 94,395,000 |
| Noninterest-bearing deposits | 2,621,000 | 3,166,000 | 2,041,000 | 3,205,000 |
| Equity capital | 10,276,000 | 10,473,000 | 10,746,000 | 10,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,312,000 | 2,608,000 | 3,933,000 | 5,219,000 |
| Interest expense | 399,000 | 801,000 | 1,254,000 | 1,717,000 |
| Net interest income | 913,000 | 1,807,000 | 2,679,000 | 3,502,000 |
| Noninterest income | 63,000 | 125,000 | 277,000 | 320,000 |
| Noninterest expense | 580,000 | 1,144,000 | 1,726,000 | 2,379,000 |
| Provision for loan losses | 17,000 | 60,000 | 85,000 | 85,000 |
| Pretax income | 379,000 | 728,000 | 1,145,000 | 1,358,000 |
| Income tax | 140,000 | 280,000 | 431,000 | 491,000 |
| Net income | 239,000 | 448,000 | 714,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,244,000 | 10,473,000 | 10,746,000 | 10,895,000 |
| Total capital | 11,085,000 | 11,434,000 | 11,656,000 | 11,850,000 |
| Risk-weighted assets | 67,155,000 | 76,831,000 | 72,655,000 | 76,413,000 |