Call reports 2005
STATE SAVINGS BANK — 2005
What STATE SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 83,688,000 | 88,397,000 | 90,250,000 | 92,021,000 |
| Total loans | 75,765,000 | 78,949,000 | 81,316,000 | 82,002,000 |
| Allowance for loan losses | 1,074,000 | 979,000 | 1,301,000 | 1,335,000 |
| Securities available for sale | 963,000 | 2,073,000 | 2,056,000 | 2,053,000 |
| Securities held to maturity | 1,951,000 | 1,923,000 | 1,676,000 | 1,627,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,151,000 | 58,902,000 | 60,998,000 | 63,853,000 |
| Interest-bearing deposits | 52,039,000 | 54,027,000 | 55,226,000 | 56,536,000 |
| Noninterest-bearing deposits | 7,112,000 | 4,875,000 | 5,772,000 | 7,317,000 |
| Equity capital | 6,358,000 | 6,879,000 | 7,085,000 | 7,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,207,000 | 2,510,000 | 3,915,000 | 5,365,000 |
| Interest expense | 490,000 | 1,028,000 | 1,643,000 | 2,285,000 |
| Net interest income | 717,000 | 1,482,000 | 2,272,000 | 3,080,000 |
| Noninterest income | 61,000 | 111,000 | 170,000 | 227,000 |
| Noninterest expense | 435,000 | 854,000 | 1,267,000 | 1,775,000 |
| Provision for loan losses | 75,000 | 150,000 | 205,000 | 250,000 |
| Pretax income | 268,000 | 589,000 | 970,000 | 1,282,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 62,000 |
| Net income | 259,000 | 571,000 | 943,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,372,000 | 6,884,000 | 7,109,000 | 7,255,000 |
| Total capital | 7,236,000 | 7,777,000 | 8,035,000 | 8,199,000 |
| Risk-weighted assets | 68,880,000 | 71,381,000 | 73,731,000 | 75,134,000 |