Call reports 2023
STATE SAVINGS BANK — 2023
What STATE SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 193,852,000 | 210,330,000 | 205,002,000 | 222,190,000 |
| Total loans | 169,994,000 | 181,019,000 | 183,498,000 | 192,872,000 |
| Allowance for loan losses | 2,513,000 | 2,618,000 | 2,722,000 | 2,827,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 186,000 | 126,000 | 126,000 | 126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,994,000 | 154,780,000 | 150,967,000 | 163,696,000 |
| Interest-bearing deposits | 94,697,000 | 105,298,000 | 102,799,000 | 110,529,000 |
| Noninterest-bearing deposits | 50,297,000 | 49,482,000 | 48,168,000 | 53,167,000 |
| Equity capital | 20,756,000 | 20,773,000 | 20,757,000 | 20,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,264,000 | 4,969,000 | 7,850,000 | 10,964,000 |
| Interest expense | 562,000 | 1,400,000 | 2,358,000 | 3,462,000 |
| Net interest income | 1,702,000 | 3,569,000 | 5,492,000 | 7,502,000 |
| Noninterest income | 148,000 | 289,000 | 346,000 | 472,000 |
| Noninterest expense | 1,275,000 | 2,606,000 | 3,909,000 | 5,352,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 476,000 | 1,043,000 | 1,626,000 | 2,213,000 |
| Income tax | 29,000 | 61,000 | 94,000 | 127,000 |
| Net income | 447,000 | 982,000 | 1,532,000 | 2,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,757,000 | 20,773,000 | 20,757,000 | 20,714,000 |
| Total capital | 22,894,000 | 23,163,000 | 23,062,000 | 23,238,000 |
| Risk-weighted assets | 170,576,000 | 190,984,000 | 183,956,000 | 201,638,000 |