Call reports 2002
STATE SAVINGS BANK — 2002
What STATE SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 63,144,000 | 67,009,000 | 68,747,000 | 71,140,000 |
| Total loans | 52,724,000 | 56,324,000 | 58,712,000 | 60,575,000 |
| Allowance for loan losses | 655,000 | 681,000 | 717,000 | 702,000 |
| Securities available for sale | 2,687,000 | 3,745,000 | 2,235,000 | 1,633,000 |
| Securities held to maturity | 2,758,000 | 2,877,000 | 2,854,000 | 2,809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,847,000 | 50,543,000 | 52,653,000 | 53,641,000 |
| Interest-bearing deposits | 43,885,000 | 46,954,000 | 48,715,000 | 49,248,000 |
| Noninterest-bearing deposits | 2,962,000 | 3,589,000 | 3,938,000 | 4,393,000 |
| Equity capital | 5,334,000 | 5,499,000 | 5,595,000 | 5,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,103,000 | 2,279,000 | 3,482,000 | 4,728,000 |
| Interest expense | 619,000 | 1,241,000 | 1,843,000 | 2,395,000 |
| Net interest income | 484,000 | 1,038,000 | 1,639,000 | 2,333,000 |
| Noninterest income | 38,000 | 75,000 | 110,000 | 154,000 |
| Noninterest expense | 354,000 | 691,000 | 1,041,000 | 1,444,000 |
| Provision for loan losses | 15,000 | 35,000 | 85,000 | 130,000 |
| Pretax income | 153,000 | 387,000 | 623,000 | 913,000 |
| Income tax | 16,000 | 28,000 | 43,000 | 51,000 |
| Net income | 137,000 | 359,000 | 580,000 | 862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,313,000 | 5,425,000 | 5,532,000 | 5,708,000 |
| Total capital | 5,893,000 | 6,046,000 | 6,174,000 | 6,383,000 |
| Risk-weighted assets | 46,309,000 | 49,582,000 | 51,266,000 | 54,007,000 |