Call reports 2004
STATE SAVINGS BANK — 2004
What STATE SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 30,822,000 | 30,096,000 | 31,231,000 | 32,418,000 |
| Total loans | 24,887,000 | 26,355,000 | 28,204,000 | 29,146,000 |
| Allowance for loan losses | 466,000 | 435,000 | 430,000 | 438,000 |
| Securities available for sale | 814,000 | 706,000 | 603,000 | 300,000 |
| Securities held to maturity | 145,000 | 140,000 | 36,000 | 36,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,094,000 | 27,283,000 | 27,946,000 | 29,250,000 |
| Interest-bearing deposits | 24,321,000 | 23,412,000 | 24,345,000 | 24,017,000 |
| Noninterest-bearing deposits | 3,773,000 | 3,871,000 | 3,601,000 | 5,233,000 |
| Equity capital | 2,635,000 | 2,718,000 | 3,019,000 | 3,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 436,000 | 853,000 | 1,323,000 | 1,804,000 |
| Interest expense | 104,000 | 207,000 | 311,000 | 417,000 |
| Net interest income | 332,000 | 646,000 | 1,012,000 | 1,387,000 |
| Noninterest income | 137,000 | 192,000 | 489,000 | 545,000 |
| Noninterest expense | 256,000 | 532,000 | 848,000 | 1,210,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 50,000 |
| Pretax income | 213,000 | 306,000 | 623,000 | 672,000 |
| Income tax | 0 | 0 | 13,000 | 12,000 |
| Net income | 213,000 | 306,000 | 610,000 | 660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,624,000 | 2,715,000 | 3,019,000 | 3,067,000 |
| Total capital | 2,932,000 | 3,029,000 | 3,338,000 | 3,397,000 |
| Risk-weighted assets | 24,505,000 | 24,983,000 | 25,436,000 | 26,277,000 |