Call reports 2012
STATE SAVINGS BANK — 2012
What STATE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 92,508,000 | 94,076,000 | 94,513,000 | 100,595,000 |
| Total loans | 74,250,000 | 78,347,000 | 81,078,000 | 85,239,000 |
| Allowance for loan losses | 1,427,000 | 1,487,000 | 1,556,000 | 1,576,000 |
| Securities available for sale | 2,763,000 | 2,267,000 | 2,267,000 | 1,264,000 |
| Securities held to maturity | 1,219,000 | 1,009,000 | 1,009,000 | 418,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,310,000 | 75,991,000 | 76,510,000 | 81,844,000 |
| Interest-bearing deposits | 65,577,000 | 65,252,000 | 63,387,000 | 69,177,000 |
| Noninterest-bearing deposits | 10,733,000 | 10,739,000 | 13,123,000 | 12,668,000 |
| Equity capital | 9,520,000 | 9,682,000 | 9,738,000 | 9,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,102,000 | 2,235,000 | 3,385,000 | 4,550,000 |
| Interest expense | 257,000 | 498,000 | 729,000 | 939,000 |
| Net interest income | 845,000 | 1,737,000 | 2,656,000 | 3,611,000 |
| Noninterest income | 216,000 | 405,000 | 528,000 | 750,000 |
| Noninterest expense | 602,000 | 1,218,000 | 1,862,000 | 2,535,000 |
| Provision for loan losses | 40,000 | 100,000 | 150,000 | 180,000 |
| Pretax income | 416,000 | 821,000 | 1,169,000 | 1,643,000 |
| Income tax | 22,000 | 45,000 | 67,000 | 90,000 |
| Net income | 394,000 | 776,000 | 1,102,000 | 1,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,507,000 | 9,665,000 | 9,721,000 | 9,874,000 |
| Total capital | 10,443,000 | 10,637,000 | 10,704,000 | 10,910,000 |
| Risk-weighted assets | 74,424,000 | 77,217,000 | 78,103,000 | 82,355,000 |