Call reports 2003
STATE SAVINGS BANK — 2003
What STATE SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 72,068,000 | 75,934,000 | 78,094,000 | 79,833,000 |
| Total loans | 63,615,000 | 67,678,000 | 66,332,000 | 67,245,000 |
| Allowance for loan losses | 739,000 | 836,000 | 900,000 | 835,000 |
| Securities available for sale | 1,633,000 | 629,000 | 1,613,000 | 1,599,000 |
| Securities held to maturity | 2,561,000 | 3,880,000 | 3,909,000 | 3,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,904,000 | 56,388,000 | 57,539,000 | 59,439,000 |
| Interest-bearing deposits | 51,964,000 | 52,296,000 | 53,882,000 | 54,443,000 |
| Noninterest-bearing deposits | 3,940,000 | 4,092,000 | 3,657,000 | 4,996,000 |
| Equity capital | 5,930,000 | 5,970,000 | 5,988,000 | 6,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,211,000 | 2,441,000 | 3,664,000 | 4,839,000 |
| Interest expense | 481,000 | 938,000 | 1,440,000 | 1,899,000 |
| Net interest income | 730,000 | 1,503,000 | 2,224,000 | 2,940,000 |
| Noninterest income | 43,000 | 87,000 | 149,000 | 169,000 |
| Noninterest expense | 372,000 | 745,000 | 1,185,000 | 1,665,000 |
| Provision for loan losses | 60,000 | 155,000 | 230,000 | 310,000 |
| Pretax income | 341,000 | 690,000 | 958,000 | 1,134,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 60,000 |
| Net income | 326,000 | 660,000 | 913,000 | 1,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,870,000 | 5,914,000 | 5,949,000 | 5,991,000 |
| Total capital | 6,581,000 | 6,652,000 | 6,711,000 | 6,762,000 |
| Risk-weighted assets | 56,854,000 | 58,952,000 | 60,859,000 | 61,655,000 |