Call reports 2016
STATE SAVINGS BANK — 2016
What STATE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 108,074,000 | 107,615,000 | 113,217,000 | 110,754,000 |
| Total loans | 97,559,000 | 99,155,000 | 103,582,000 | 104,066,000 |
| Allowance for loan losses | 1,117,000 | 1,121,000 | 1,152,000 | 1,105,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 640,000 | 470,000 | 470,000 | 470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,131,000 | 96,039,000 | 97,638,000 | 99,456,000 |
| Interest-bearing deposits | 80,236,000 | 80,430,000 | 79,305,000 | 81,848,000 |
| Noninterest-bearing deposits | 17,895,000 | 15,609,000 | 18,332,000 | 17,608,000 |
| Equity capital | 9,597,000 | 9,684,000 | 10,238,000 | 10,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,216,000 | 2,416,000 | 3,681,000 | 4,945,000 |
| Interest expense | 156,000 | 321,000 | 493,000 | 667,000 |
| Net interest income | 1,060,000 | 2,095,000 | 3,188,000 | 4,278,000 |
| Noninterest income | 97,000 | 201,000 | 319,000 | 420,000 |
| Noninterest expense | 598,000 | 1,194,000 | 1,798,000 | 2,508,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 180,000 |
| Pretax income | 529,000 | 1,042,000 | 1,619,000 | 2,010,000 |
| Income tax | 27,000 | 23,000 | 46,000 | 69,000 |
| Net income | 502,000 | 1,019,000 | 1,573,000 | 1,941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,597,000 | 9,684,000 | 10,238,000 | 10,606,000 |
| Total capital | 10,714,000 | 10,805,000 | 11,390,000 | 11,711,000 |
| Risk-weighted assets | 93,362,000 | 92,257,000 | 97,273,000 | 97,331,000 |