Call reports 2007
STATE SAVINGS BANK — 2007
What STATE SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 38,943,000 | 38,015,000 | 40,010,000 | 42,673,000 |
| Total loans | 30,729,000 | 32,551,000 | 33,185,000 | 33,665,000 |
| Allowance for loan losses | 444,000 | 467,000 | 416,000 | 418,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,000 | 11,000 | 11,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,574,000 | 34,462,000 | 36,258,000 | 38,838,000 |
| Interest-bearing deposits | 29,545,000 | 29,974,000 | 32,234,000 | 32,418,000 |
| Noninterest-bearing deposits | 6,029,000 | 4,488,000 | 4,024,000 | 6,420,000 |
| Equity capital | 3,155,000 | 3,310,000 | 3,505,000 | 3,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 592,000 | 1,239,000 | 1,961,000 | 2,638,000 |
| Interest expense | 218,000 | 468,000 | 741,000 | 1,028,000 |
| Net interest income | 374,000 | 771,000 | 1,220,000 | 1,610,000 |
| Noninterest income | 58,000 | 119,000 | 187,000 | 263,000 |
| Noninterest expense | 312,000 | 588,000 | 853,000 | 1,197,000 |
| Provision for loan losses | 25,000 | 50,000 | 100,000 | 130,000 |
| Pretax income | 95,000 | 252,000 | 454,000 | 546,000 |
| Income tax | 6,000 | 8,000 | 15,000 | 21,000 |
| Net income | 89,000 | 244,000 | 439,000 | 525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,155,000 | 3,310,000 | 3,505,000 | 3,591,000 |
| Total capital | 3,511,000 | 3,684,000 | 3,888,000 | 3,996,000 |
| Risk-weighted assets | 28,372,000 | 29,854,000 | 30,633,000 | 32,361,000 |