Call reports 2015
STATE SAVINGS BANK — 2015
What STATE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 101,868,000 | 101,997,000 | 103,452,000 | 106,992,000 |
| Total loans | 89,811,000 | 92,550,000 | 93,565,000 | 98,714,000 |
| Allowance for loan losses | 1,245,000 | 1,278,000 | 1,313,000 | 1,077,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 815,000 | 640,000 | 640,000 | 640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,718,000 | 88,788,000 | 93,386,000 | 96,332,000 |
| Interest-bearing deposits | 72,838,000 | 74,314,000 | 74,198,000 | 78,757,000 |
| Noninterest-bearing deposits | 16,880,000 | 14,474,000 | 19,189,000 | 17,575,000 |
| Equity capital | 8,889,000 | 9,156,000 | 9,681,000 | 10,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,136,000 | 2,274,000 | 3,446,000 | 4,648,000 |
| Interest expense | 114,000 | 235,000 | 362,000 | 496,000 |
| Net interest income | 1,022,000 | 2,039,000 | 3,084,000 | 4,152,000 |
| Noninterest income | 89,000 | 212,000 | 336,000 | 445,000 |
| Noninterest expense | 598,000 | 1,146,000 | 1,740,000 | 2,465,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 483,000 | 1,045,000 | 1,590,000 | 2,012,000 |
| Income tax | 6,000 | 27,000 | 48,000 | 85,000 |
| Net income | 477,000 | 1,018,000 | 1,542,000 | 1,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,889,000 | 9,156,000 | 9,681,000 | 10,065,000 |
| Total capital | 9,951,000 | 10,236,000 | 10,773,000 | 11,142,000 |
| Risk-weighted assets | 84,803,000 | 86,165,000 | 87,122,000 | 92,334,000 |