Call reports 2006
STATE SAVINGS BANK — 2006
What STATE SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 98,446,000 | 101,858,000 | 104,450,000 | 100,072,000 |
| Total loans | 85,670,000 | 90,942,000 | 93,223,000 | 89,662,000 |
| Allowance for loan losses | 1,331,000 | 1,327,000 | 1,396,000 | 1,388,000 |
| Securities available for sale | 3,044,000 | 3,531,000 | 3,562,000 | 3,570,000 |
| Securities held to maturity | 1,545,000 | 1,255,000 | 1,256,000 | 1,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,082,000 | 74,480,000 | 74,701,000 | 76,548,000 |
| Interest-bearing deposits | 64,774,000 | 67,648,000 | 68,577,000 | 70,044,000 |
| Noninterest-bearing deposits | 6,308,000 | 6,831,000 | 6,124,000 | 6,504,000 |
| Equity capital | 7,559,000 | 7,646,000 | 8,264,000 | 8,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,521,000 | 3,214,000 | 5,010,000 | 6,858,000 |
| Interest expense | 724,000 | 1,554,000 | 2,471,000 | 3,410,000 |
| Net interest income | 797,000 | 1,660,000 | 2,539,000 | 3,448,000 |
| Noninterest income | 72,000 | 145,000 | 224,000 | 309,000 |
| Noninterest expense | 507,000 | 1,058,000 | 1,591,000 | 2,171,000 |
| Provision for loan losses | 0 | 20,000 | 85,000 | 165,000 |
| Pretax income | 362,000 | 727,000 | 1,087,000 | 1,421,000 |
| Income tax | 18,000 | 47,000 | 71,000 | 89,000 |
| Net income | 344,000 | 680,000 | 1,016,000 | 1,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,603,000 | 7,707,000 | 8,298,000 | 8,554,000 |
| Total capital | 8,607,000 | 8,791,000 | 9,379,000 | 9,628,000 |
| Risk-weighted assets | 80,022,000 | 86,465,000 | 86,164,000 | 86,932,000 |