Call reports 2009
STATE SAVINGS BANK — 2009
What STATE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 99,803,000 | 92,448,000 | 88,263,000 | 92,496,000 |
| Total loans | 79,189,000 | 77,658,000 | 76,821,000 | 74,921,000 |
| Allowance for loan losses | 1,430,000 | 1,470,000 | 1,391,000 | 1,336,000 |
| Securities available for sale | 2,043,000 | 2,037,000 | 2,032,000 | 2,021,000 |
| Securities held to maturity | 1,971,000 | 1,923,000 | 1,893,000 | 2,298,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,197,000 | 65,345,000 | 65,095,000 | 70,338,000 |
| Interest-bearing deposits | 65,011,000 | 58,781,000 | 57,877,000 | 62,570,000 |
| Noninterest-bearing deposits | 7,186,000 | 6,564,000 | 7,218,000 | 7,768,000 |
| Equity capital | 8,906,000 | 8,857,000 | 8,966,000 | 8,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,309,000 | 2,583,000 | 3,834,000 | 5,038,000 |
| Interest expense | 549,000 | 1,018,000 | 1,437,000 | 1,814,000 |
| Net interest income | 760,000 | 1,565,000 | 2,397,000 | 3,224,000 |
| Noninterest income | 343,000 | 529,000 | 626,000 | 743,000 |
| Noninterest expense | 625,000 | 1,317,000 | 1,935,000 | 2,527,000 |
| Provision for loan losses | 175,000 | 300,000 | 360,000 | 490,000 |
| Pretax income | 303,000 | 477,000 | 728,000 | 950,000 |
| Income tax | 4,000 | 9,000 | 17,000 | 29,000 |
| Net income | 299,000 | 468,000 | 711,000 | 921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,863,000 | 8,820,000 | 8,934,000 | 8,929,000 |
| Total capital | 9,860,000 | 9,779,000 | 9,882,000 | 9,866,000 |
| Risk-weighted assets | 79,337,000 | 76,438,000 | 75,387,000 | 74,584,000 |