Call reports 2012
STATE SAVINGS BANK — 2012
What STATE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 92,370,000 | 87,722,000 | 88,986,000 | 91,440,000 |
| Total loans | 67,908,000 | 71,617,000 | 74,130,000 | 75,593,000 |
| Allowance for loan losses | 1,187,000 | 1,154,000 | 1,203,000 | 1,087,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 422,000 | 717,000 | 716,000 | 716,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,673,000 | 78,843,000 | 79,629,000 | 81,797,000 |
| Interest-bearing deposits | 70,670,000 | 67,089,000 | 68,029,000 | 67,110,000 |
| Noninterest-bearing deposits | 13,003,000 | 11,754,000 | 11,600,000 | 14,688,000 |
| Equity capital | 7,472,000 | 7,676,000 | 8,161,000 | 8,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,000,000 | 2,021,000 | 3,067,000 | 4,106,000 |
| Interest expense | 166,000 | 323,000 | 472,000 | 616,000 |
| Net interest income | 834,000 | 1,698,000 | 2,595,000 | 3,490,000 |
| Noninterest income | 100,000 | 204,000 | 316,000 | 397,000 |
| Noninterest expense | 496,000 | 1,026,000 | 1,509,000 | 2,147,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 408,000 | 816,000 | 1,312,000 | 1,620,000 |
| Income tax | 16,000 | 25,000 | 36,000 | 92,000 |
| Net income | 392,000 | 791,000 | 1,276,000 | 1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,472,000 | 7,676,000 | 8,161,000 | 8,413,000 |
| Total capital | 8,304,000 | 8,530,000 | 9,044,000 | 9,291,000 |
| Risk-weighted assets | 66,234,000 | 68,030,000 | 70,290,000 | 70,005,000 |