Call reports 2016
STATE SAVINGS BANK — 2016
What STATE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 118,204,000 | 114,889,000 | 116,217,000 | 122,267,000 |
| Total loans | 100,981,000 | 99,900,000 | 102,469,000 | 103,610,000 |
| Allowance for loan losses | 1,762,000 | 1,764,000 | 1,765,000 | 1,768,000 |
| Securities available for sale | 752,000 | 752,000 | 750,000 | 741,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,724,000 | 87,234,000 | 87,768,000 | 93,718,000 |
| Interest-bearing deposits | 71,348,000 | 68,938,000 | 67,715,000 | 71,654,000 |
| Noninterest-bearing deposits | 18,376,000 | 18,296,000 | 20,053,000 | 22,064,000 |
| Equity capital | 11,565,000 | 11,577,000 | 11,660,000 | 11,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,276,000 | 2,571,000 | 3,881,000 | 5,185,000 |
| Interest expense | 195,000 | 392,000 | 590,000 | 791,000 |
| Net interest income | 1,081,000 | 2,179,000 | 3,291,000 | 4,394,000 |
| Noninterest income | 139,000 | 308,000 | 468,000 | 614,000 |
| Noninterest expense | 749,000 | 1,542,000 | 2,379,000 | 3,154,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 471,000 | 945,000 | 1,380,000 | 1,854,000 |
| Income tax | 21,000 | 43,000 | 64,000 | 88,000 |
| Net income | 450,000 | 902,000 | 1,316,000 | 1,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,564,000 | 11,576,000 | 11,660,000 | 11,821,000 |
| Total capital | 12,786,000 | 12,812,000 | 12,884,000 | 13,061,000 |
| Risk-weighted assets | 97,244,000 | 98,333,000 | 97,346,000 | 98,649,000 |