Call reports 2009
STATE SAVINGS BANK — 2009
What STATE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 43,424,000 | 45,494,000 | 47,404,000 | 47,729,000 |
| Total loans | 37,748,000 | 39,962,000 | 41,133,000 | 42,425,000 |
| Allowance for loan losses | 477,000 | 504,000 | 512,000 | 601,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 174,000 | 173,000 | 428,000 | 428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,551,000 | 40,030,000 | 43,209,000 | 42,941,000 |
| Interest-bearing deposits | 34,105,000 | 34,200,000 | 37,251,000 | 35,694,000 |
| Noninterest-bearing deposits | 5,446,000 | 5,830,000 | 5,958,000 | 7,247,000 |
| Equity capital | 3,704,000 | 3,759,000 | 4,001,000 | 4,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 642,000 | 1,306,000 | 1,994,000 | 2,681,000 |
| Interest expense | 202,000 | 383,000 | 559,000 | 725,000 |
| Net interest income | 440,000 | 923,000 | 1,435,000 | 1,956,000 |
| Noninterest income | 60,000 | 130,000 | 192,000 | 256,000 |
| Noninterest expense | 252,000 | 562,000 | 853,000 | 1,217,000 |
| Provision for loan losses | 10,000 | 40,000 | 70,000 | 165,000 |
| Pretax income | 238,000 | 451,000 | 704,000 | 830,000 |
| Income tax | 13,000 | 24,000 | 35,000 | 46,000 |
| Net income | 225,000 | 427,000 | 669,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,704,000 | 3,759,000 | 4,001,000 | 4,117,000 |
| Total capital | 4,141,000 | 4,218,000 | 4,475,000 | 4,602,000 |
| Risk-weighted assets | 34,915,000 | 36,653,000 | 37,964,000 | 38,702,000 |