Call reports 2010
STATE SAVINGS BANK — 2010
What STATE SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 47,439,000 | 47,927,000 | 50,694,000 | 51,195,000 |
| Total loans | 41,732,000 | 41,522,000 | 40,687,000 | 39,703,000 |
| Allowance for loan losses | 656,000 | 706,000 | 573,000 | 550,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 428,000 | 172,000 | 172,000 | 172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,304,000 | 43,696,000 | 45,216,000 | 45,546,000 |
| Interest-bearing deposits | 37,772,000 | 37,772,000 | 39,288,000 | 38,519,000 |
| Noninterest-bearing deposits | 5,532,000 | 5,924,000 | 5,928,000 | 7,027,000 |
| Equity capital | 3,993,000 | 4,074,000 | 4,342,000 | 4,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 664,000 | 1,333,000 | 2,001,000 | 2,658,000 |
| Interest expense | 150,000 | 291,000 | 423,000 | 554,000 |
| Net interest income | 514,000 | 1,042,000 | 1,578,000 | 2,104,000 |
| Noninterest income | 58,000 | 119,000 | 187,000 | 260,000 |
| Noninterest expense | 273,000 | 554,000 | 834,000 | 1,226,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 254,000 | 517,000 | 796,000 | 958,000 |
| Income tax | 10,000 | 21,000 | 32,000 | 43,000 |
| Net income | 244,000 | 496,000 | 764,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,993,000 | 4,074,000 | 4,342,000 | 4,493,000 |
| Total capital | 4,469,000 | 4,548,000 | 4,816,000 | 4,964,000 |
| Risk-weighted assets | 37,920,000 | 37,666,000 | 37,795,000 | 37,581,000 |