Call reports 2004
STATE SAVINGS BANK — 2004
What STATE SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 79,052,000 | 79,010,000 | 82,732,000 | 86,267,000 |
| Total loans | 67,402,000 | 69,342,000 | 74,157,000 | 75,336,000 |
| Allowance for loan losses | 953,000 | 1,077,000 | 1,183,000 | 999,000 |
| Securities available for sale | 1,612,000 | 1,606,000 | 1,585,000 | 1,577,000 |
| Securities held to maturity | 3,158,000 | 2,756,000 | 2,452,000 | 2,360,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,501,000 | 57,636,000 | 59,069,000 | 61,952,000 |
| Interest-bearing deposits | 53,941,000 | 53,378,000 | 54,251,000 | 55,709,000 |
| Noninterest-bearing deposits | 4,560,000 | 4,258,000 | 4,818,000 | 6,243,000 |
| Equity capital | 6,212,000 | 6,242,000 | 6,040,000 | 6,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,134,000 | 2,300,000 | 3,504,000 | 4,739,000 |
| Interest expense | 450,000 | 902,000 | 1,377,000 | 1,883,000 |
| Net interest income | 684,000 | 1,398,000 | 2,127,000 | 2,856,000 |
| Noninterest income | 59,000 | 106,000 | 172,000 | 227,000 |
| Noninterest expense | 417,000 | 857,000 | 1,277,000 | 1,693,000 |
| Provision for loan losses | 90,000 | 180,000 | 290,000 | 440,000 |
| Pretax income | 236,000 | 467,000 | 732,000 | 950,000 |
| Income tax | 15,000 | 26,000 | 35,000 | 44,000 |
| Net income | 221,000 | 441,000 | 697,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,175,000 | 6,212,000 | 6,028,000 | 6,098,000 |
| Total capital | 6,958,000 | 7,023,000 | 6,879,000 | 6,971,000 |
| Risk-weighted assets | 62,441,000 | 64,640,000 | 67,714,000 | 69,705,000 |