Call reports 2005
STATE SAVINGS BANK — 2005
What STATE SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,673,000 | 32,436,000 | 33,006,000 | 32,816,000 |
| Total loans | 29,176,000 | 29,593,000 | 30,571,000 | 30,271,000 |
| Allowance for loan losses | 431,000 | 452,000 | 439,000 | 485,000 |
| Securities available for sale | 200,000 | 100,000 | 0 | 0 |
| Securities held to maturity | 36,000 | 31,000 | 27,000 | 27,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,714,000 | 29,316,000 | 28,367,000 | 28,926,000 |
| Interest-bearing deposits | 25,263,000 | 24,833,000 | 24,485,000 | 24,142,000 |
| Noninterest-bearing deposits | 4,451,000 | 4,483,000 | 3,882,000 | 4,784,000 |
| Equity capital | 2,859,000 | 2,984,000 | 3,143,000 | 3,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 477,000 | 999,000 | 1,528,000 | 2,063,000 |
| Interest expense | 101,000 | 213,000 | 336,000 | 467,000 |
| Net interest income | 376,000 | 786,000 | 1,192,000 | 1,596,000 |
| Noninterest income | 50,000 | 97,000 | 160,000 | 214,000 |
| Noninterest expense | 298,000 | 565,000 | 858,000 | 1,170,000 |
| Provision for loan losses | 30,000 | 70,000 | 85,000 | 135,000 |
| Pretax income | 98,000 | 248,000 | 409,000 | 505,000 |
| Income tax | 8,000 | 12,000 | 16,000 | 22,000 |
| Net income | 90,000 | 236,000 | 393,000 | 483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,861,000 | 2,987,000 | 3,143,000 | 3,233,000 |
| Total capital | 3,186,000 | 3,324,000 | 3,488,000 | 3,573,000 |
| Risk-weighted assets | 25,899,000 | 26,850,000 | 27,522,000 | 27,026,000 |