Call reports 2003
STATE SAVINGS BANK — 2003
What STATE SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 62,454,000 | 65,496,000 | 70,090,000 | 65,749,000 |
| Total loans | 38,971,000 | 42,881,000 | 42,009,000 | 48,302,000 |
| Allowance for loan losses | 395,000 | 408,000 | 422,000 | 454,000 |
| Securities available for sale | 11,409,000 | 11,591,000 | 12,765,000 | 10,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,683,000 | 55,461,000 | 59,901,000 | 55,434,000 |
| Interest-bearing deposits | 46,072,000 | 45,888,000 | 49,412,000 | 46,815,000 |
| Noninterest-bearing deposits | 6,611,000 | 9,573,000 | 10,489,000 | 8,619,000 |
| Equity capital | 9,033,000 | 9,381,000 | 9,597,000 | 9,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 797,000 | 1,625,000 | 2,476,000 | 3,348,000 |
| Interest expense | 228,000 | 443,000 | 631,000 | 809,000 |
| Net interest income | 569,000 | 1,182,000 | 1,845,000 | 2,539,000 |
| Noninterest income | 269,000 | 586,000 | 871,000 | 1,011,000 |
| Noninterest expense | 395,000 | 816,000 | 1,258,000 | 1,821,000 |
| Provision for loan losses | 8,000 | 20,000 | 37,000 | 75,000 |
| Pretax income | 435,000 | 939,000 | 1,428,000 | 1,661,000 |
| Income tax | 153,000 | 329,000 | 505,000 | 595,000 |
| Net income | 282,000 | 610,000 | 923,000 | 1,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,987,000 | 9,315,000 | 9,572,000 | 9,715,000 |
| Total capital | 9,382,000 | 9,723,000 | 9,994,000 | 10,169,000 |
| Risk-weighted assets | 39,620,000 | 43,728,000 | 45,277,000 | 49,066,000 |