Call reports 2003
STATE SAVINGS BANK — 2003
What STATE SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 30,257,000 | 29,775,000 | 29,676,000 | 29,341,000 |
| Total loans | 22,247,000 | 24,394,000 | 24,902,000 | 24,601,000 |
| Allowance for loan losses | 378,000 | 471,000 | 449,000 | 477,000 |
| Securities available for sale | 1,487,000 | 1,287,000 | 1,174,000 | 1,067,000 |
| Securities held to maturity | 53,000 | 49,000 | 149,000 | 145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,885,000 | 27,451,000 | 27,283,000 | 26,861,000 |
| Interest-bearing deposits | 23,876,000 | 23,816,000 | 23,835,000 | 22,837,000 |
| Noninterest-bearing deposits | 4,009,000 | 3,635,000 | 3,448,000 | 4,024,000 |
| Equity capital | 2,252,000 | 2,184,000 | 2,284,000 | 2,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 405,000 | 822,000 | 1,265,000 | 1,719,000 |
| Interest expense | 126,000 | 258,000 | 381,000 | 497,000 |
| Net interest income | 279,000 | 564,000 | 884,000 | 1,222,000 |
| Noninterest income | 44,000 | 87,000 | 155,000 | 206,000 |
| Noninterest expense | 215,000 | 446,000 | 666,000 | 908,000 |
| Provision for loan losses | 120,000 | 266,000 | 326,000 | 366,000 |
| Pretax income | -12,000 | -61,000 | 47,000 | 154,000 |
| Income tax | 0 | 5,000 | 5,000 | 5,000 |
| Net income | -12,000 | -66,000 | 42,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,220,000 | 2,151,000 | 2,263,000 | 2,379,000 |
| Total capital | 2,503,000 | 2,454,000 | 2,570,000 | 2,682,000 |
| Risk-weighted assets | 22,539,000 | 24,047,000 | 24,419,000 | 24,056,000 |