Call reports 2008
STATE SAVINGS BANK — 2008
What STATE SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 42,512,000 | 41,346,000 | 42,171,000 | 42,995,000 |
| Total loans | 32,836,000 | 34,117,000 | 36,560,000 | 37,972,000 |
| Allowance for loan losses | 446,000 | 456,000 | 465,000 | 457,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,000 | 0 | 174,000 | 174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,709,000 | 36,839,000 | 37,152,000 | 38,001,000 |
| Interest-bearing deposits | 33,403,000 | 31,821,000 | 32,372,000 | 32,143,000 |
| Noninterest-bearing deposits | 5,306,000 | 5,017,000 | 4,780,000 | 5,858,000 |
| Equity capital | 3,568,000 | 3,602,000 | 3,893,000 | 3,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 676,000 | 1,334,000 | 1,996,000 | 2,664,000 |
| Interest expense | 276,000 | 526,000 | 754,000 | 980,000 |
| Net interest income | 400,000 | 808,000 | 1,242,000 | 1,684,000 |
| Noninterest income | 73,000 | 137,000 | 201,000 | 263,000 |
| Noninterest expense | 270,000 | 554,000 | 768,000 | 1,070,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 203,000 | 391,000 | 675,000 | 777,000 |
| Income tax | 6,000 | 13,000 | 20,000 | 37,000 |
| Net income | 197,000 | 378,000 | 655,000 | 740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,568,000 | 3,602,000 | 3,893,000 | 3,846,000 |
| Total capital | 3,965,000 | 4,004,000 | 4,316,000 | 4,280,000 |
| Risk-weighted assets | 31,710,000 | 32,112,000 | 33,836,000 | 34,709,000 |