Call reports 2015
STATE SAVINGS BANK — 2015
What STATE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 112,409,000 | 113,594,000 | 110,643,000 | 117,335,000 |
| Total loans | 97,559,000 | 98,170,000 | 98,952,000 | 100,254,000 |
| Allowance for loan losses | 1,663,000 | 1,682,000 | 1,725,000 | 1,737,000 |
| Securities available for sale | 2,001,000 | 0 | 503,000 | 747,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,717,000 | 87,864,000 | 85,355,000 | 88,449,000 |
| Interest-bearing deposits | 69,060,000 | 69,393,000 | 67,229,000 | 70,538,000 |
| Noninterest-bearing deposits | 17,657,000 | 18,471,000 | 18,126,000 | 17,911,000 |
| Equity capital | 10,851,000 | 11,006,000 | 11,214,000 | 11,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,483,000 | 3,749,000 | 5,013,000 |
| Interest expense | 173,000 | 352,000 | 526,000 | 725,000 |
| Net interest income | 1,045,000 | 2,131,000 | 3,223,000 | 4,288,000 |
| Noninterest income | 151,000 | 303,000 | 445,000 | 592,000 |
| Noninterest expense | 697,000 | 1,438,000 | 2,126,000 | 2,936,000 |
| Provision for loan losses | 39,000 | 78,000 | 117,000 | 117,000 |
| Pretax income | 460,000 | 918,000 | 1,425,000 | 1,827,000 |
| Income tax | 21,000 | 43,000 | 64,000 | 85,000 |
| Net income | 439,000 | 875,000 | 1,361,000 | 1,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,850,000 | 11,006,000 | 11,213,000 | 11,386,000 |
| Total capital | 12,019,000 | 12,180,000 | 12,383,000 | 12,600,000 |
| Risk-weighted assets | 93,068,000 | 93,477,000 | 93,049,000 | 96,580,000 |