Call reports 2014
STATE SAVINGS BANK — 2014
What STATE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 94,222,000 | 92,003,000 | 97,090,000 | 99,785,000 |
| Total loans | 77,828,000 | 79,222,000 | 83,497,000 | 89,638,000 |
| Allowance for loan losses | 1,193,000 | 1,217,000 | 1,252,000 | 1,104,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 990,000 | 815,000 | 815,000 | 815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,689,000 | 82,146,000 | 85,047,000 | 85,753,000 |
| Interest-bearing deposits | 71,050,000 | 68,607,000 | 68,948,000 | 69,503,000 |
| Noninterest-bearing deposits | 14,639,000 | 13,539,000 | 16,099,000 | 16,250,000 |
| Equity capital | 8,302,000 | 8,423,000 | 8,889,000 | 9,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,007,000 | 2,030,000 | 3,095,000 | 4,204,000 |
| Interest expense | 121,000 | 239,000 | 356,000 | 472,000 |
| Net interest income | 886,000 | 1,791,000 | 2,739,000 | 3,732,000 |
| Noninterest income | 92,000 | 191,000 | 309,000 | 424,000 |
| Noninterest expense | 549,000 | 1,104,000 | 1,651,000 | 2,330,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 399,000 | 818,000 | 1,307,000 | 1,706,000 |
| Income tax | 29,000 | 53,000 | 76,000 | 100,000 |
| Net income | 370,000 | 765,000 | 1,231,000 | 1,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,302,000 | 8,423,000 | 8,889,000 | 9,264,000 |
| Total capital | 9,200,000 | 9,330,000 | 9,853,000 | 10,305,000 |
| Risk-weighted assets | 71,512,000 | 72,258,000 | 76,826,000 | 83,253,000 |