Call reports 2006
STATE SAVINGS BANK — 2006
What STATE SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 34,332,000 | 34,439,000 | 34,565,000 | 35,584,000 |
| Total loans | 31,502,000 | 31,892,000 | 31,793,000 | 31,624,000 |
| Allowance for loan losses | 483,000 | 523,000 | 551,000 | 479,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,000 | 22,000 | 16,000 | 16,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,027,000 | 29,557,000 | 29,421,000 | 32,024,000 |
| Interest-bearing deposits | 26,389,000 | 25,211,000 | 25,973,000 | 26,664,000 |
| Noninterest-bearing deposits | 4,638,000 | 4,346,000 | 3,448,000 | 5,360,000 |
| Equity capital | 3,100,000 | 3,147,000 | 3,284,000 | 3,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,129,000 | 1,734,000 | 2,327,000 |
| Interest expense | 136,000 | 295,000 | 494,000 | 685,000 |
| Net interest income | 409,000 | 834,000 | 1,240,000 | 1,642,000 |
| Noninterest income | 59,000 | 129,000 | 202,000 | 258,000 |
| Noninterest expense | 273,000 | 580,000 | 867,000 | 1,217,000 |
| Provision for loan losses | 20,000 | 55,000 | 85,000 | 105,000 |
| Pretax income | 175,000 | 328,000 | 490,000 | 578,000 |
| Income tax | 8,000 | 14,000 | 34,000 | 40,000 |
| Net income | 167,000 | 314,000 | 456,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,100,000 | 3,147,000 | 3,284,000 | 3,366,000 |
| Total capital | 3,453,000 | 3,521,000 | 3,657,000 | 3,716,000 |
| Risk-weighted assets | 28,120,000 | 29,746,000 | 29,629,000 | 27,870,000 |