Call reports 2007
STATE SAVINGS BANK — 2007
What STATE SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 99,384,000 | 97,744,000 | 98,446,000 | 92,494,000 |
| Total loans | 89,919,000 | 88,338,000 | 87,274,000 | 81,078,000 |
| Allowance for loan losses | 1,467,000 | 1,453,000 | 1,458,000 | 1,367,000 |
| Securities available for sale | 3,584,000 | 4,084,000 | 4,108,000 | 3,615,000 |
| Securities held to maturity | 1,122,000 | 960,000 | 960,000 | 824,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,188,000 | 75,002,000 | 73,799,000 | 72,785,000 |
| Interest-bearing deposits | 70,370,000 | 68,187,000 | 67,378,000 | 66,338,000 |
| Noninterest-bearing deposits | 6,818,000 | 6,815,000 | 6,421,000 | 6,447,000 |
| Equity capital | 8,472,000 | 8,559,000 | 8,405,000 | 8,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,700,000 | 3,471,000 | 5,212,000 | 6,899,000 |
| Interest expense | 892,000 | 1,812,000 | 2,743,000 | 3,639,000 |
| Net interest income | 808,000 | 1,659,000 | 2,469,000 | 3,260,000 |
| Noninterest income | 78,000 | 163,000 | 236,000 | 313,000 |
| Noninterest expense | 575,000 | 1,133,000 | 1,705,000 | 2,314,000 |
| Provision for loan losses | 90,000 | 180,000 | 255,000 | 335,000 |
| Pretax income | 221,000 | 509,000 | 745,000 | 924,000 |
| Income tax | 15,000 | 25,000 | 37,000 | 43,000 |
| Net income | 206,000 | 484,000 | 708,000 | 881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,488,000 | 8,574,000 | 8,397,000 | 8,470,000 |
| Total capital | 9,515,000 | 9,647,000 | 9,478,000 | 9,505,000 |
| Risk-weighted assets | 83,165,000 | 86,962,000 | 87,604,000 | 82,430,000 |