Call reports 2014
STATE SAVINGS BANK — 2014
What STATE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 104,818,000 | 103,247,000 | 104,432,000 | 109,903,000 |
| Total loans | 85,566,000 | 87,200,000 | 91,147,000 | 97,282,000 |
| Allowance for loan losses | 1,600,000 | 1,605,000 | 1,611,000 | 1,615,000 |
| Securities available for sale | 2,741,000 | 2,747,000 | 1,993,000 | 1,992,000 |
| Securities held to maturity | 14,000 | 8,000 | 8,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,458,000 | 85,518,000 | 83,528,000 | 83,525,000 |
| Interest-bearing deposits | 71,326,000 | 70,476,000 | 68,136,000 | 66,664,000 |
| Noninterest-bearing deposits | 15,132,000 | 15,042,000 | 15,392,000 | 16,861,000 |
| Equity capital | 10,071,000 | 10,249,000 | 10,484,000 | 10,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,132,000 | 2,331,000 | 3,523,000 | 4,761,000 |
| Interest expense | 169,000 | 341,000 | 509,000 | 680,000 |
| Net interest income | 963,000 | 1,990,000 | 3,014,000 | 4,081,000 |
| Noninterest income | 131,000 | 278,000 | 396,000 | 531,000 |
| Noninterest expense | 652,000 | 1,397,000 | 2,060,000 | 2,777,000 |
| Provision for loan losses | -27,000 | -27,000 | -27,000 | -27,000 |
| Pretax income | 469,000 | 898,000 | 1,377,000 | 1,862,000 |
| Income tax | 21,000 | 43,000 | 64,000 | 85,000 |
| Net income | 448,000 | 855,000 | 1,313,000 | 1,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,080,000 | 10,252,000 | 10,491,000 | 10,691,000 |
| Total capital | 11,088,000 | 11,273,000 | 11,556,000 | 11,809,000 |
| Risk-weighted assets | 80,021,000 | 81,108,000 | 84,662,000 | 88,974,000 |