Call reports 2002
STATE SAVINGS BANK — 2002
What STATE SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 53,389,000 | 55,903,000 | 62,776,000 | 62,825,000 |
| Total loans | 36,442,000 | 38,263,000 | 38,587,000 | 39,196,000 |
| Allowance for loan losses | 332,000 | 347,000 | 355,000 | 390,000 |
| Securities available for sale | 8,065,000 | 7,152,000 | 9,441,000 | 11,296,000 |
| Securities held to maturity | 350,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,414,000 | 46,880,000 | 53,507,000 | 53,328,000 |
| Interest-bearing deposits | 38,872,000 | 40,081,000 | 45,392,000 | 45,986,000 |
| Noninterest-bearing deposits | 5,542,000 | 6,799,000 | 8,115,000 | 7,342,000 |
| Equity capital | 8,329,000 | 8,445,000 | 8,688,000 | 8,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 878,000 | 1,747,000 | 2,676,000 | 3,288,000 |
| Interest expense | 261,000 | 523,000 | 801,000 | 1,067,000 |
| Net interest income | 617,000 | 1,224,000 | 1,875,000 | 2,221,000 |
| Noninterest income | 59,000 | 136,000 | 233,000 | 756,000 |
| Noninterest expense | 375,000 | 785,000 | 1,188,000 | 1,684,000 |
| Provision for loan losses | 0 | 15,000 | 25,000 | 60,000 |
| Pretax income | 301,000 | 560,000 | 895,000 | 1,233,000 |
| Income tax | 107,000 | 202,000 | 323,000 | 441,000 |
| Net income | 194,000 | 358,000 | 572,000 | 792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,296,000 | 8,403,000 | 8,635,000 | 8,776,000 |
| Total capital | 8,628,000 | 8,750,000 | 8,990,000 | 9,166,000 |
| Risk-weighted assets | 35,275,000 | 36,904,000 | 38,166,000 | 38,227,000 |