Call reports 2023
STATE SAVINGS BANK — 2023
What STATE SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 158,896,000 | 170,932,000 | 174,520,000 | 172,932,000 |
| Total loans | 145,986,000 | 150,538,000 | 155,964,000 | 158,820,000 |
| Allowance for loan losses | 1,808,000 | 97,000 | 301,000 | 595,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,936,000 | 3,967,000 | 4,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,751,000 | 137,347,000 | 143,898,000 | 150,162,000 |
| Interest-bearing deposits | 104,552,000 | 103,785,000 | 110,400,000 | 116,222,000 |
| Noninterest-bearing deposits | 35,199,000 | 33,563,000 | 33,498,000 | 33,940,000 |
| Equity capital | 15,203,000 | 21,200,000 | 22,019,000 | 22,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,974,000 | 1,781,000 | 4,445,000 | 7,138,000 |
| Interest expense | 401,000 | 418,000 | 1,173,000 | 2,043,000 |
| Net interest income | 1,573,000 | 1,363,000 | 3,272,000 | 5,095,000 |
| Noninterest income | 125,000 | 71,000 | 195,000 | 343,000 |
| Noninterest expense | 765,000 | 775,000 | 1,712,000 | 2,894,000 |
| Provision for loan losses | 0 | 160,000 | 400,000 | 700,000 |
| Pretax income | 933,000 | 499,000 | 1,355,000 | 1,844,000 |
| Income tax | 30,000 | 24,000 | 61,000 | 97,000 |
| Net income | 903,000 | 475,000 | 1,294,000 | 1,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,203,000 | 15,890,000 | 16,934,000 | 17,163,000 |