Call reports 2004
STATE SAVINGS BANK — 2004
What STATE SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 67,464,000 | 65,208,000 | 72,316,000 | 68,377,000 |
| Total loans | 50,330,000 | 50,195,000 | 49,062,000 | 45,958,000 |
| Allowance for loan losses | 479,000 | 499,000 | 505,000 | 511,000 |
| Securities available for sale | 9,101,000 | 8,970,000 | 11,291,000 | 11,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,911,000 | 54,472,000 | 61,449,000 | 57,408,000 |
| Interest-bearing deposits | 49,155,000 | 45,121,000 | 49,830,000 | 48,284,000 |
| Noninterest-bearing deposits | 7,756,000 | 9,351,000 | 11,619,000 | 9,124,000 |
| Equity capital | 9,906,000 | 10,141,000 | 10,315,000 | 10,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 918,000 | 1,767,000 | 2,664,000 | 3,561,000 |
| Interest expense | 165,000 | 326,000 | 494,000 | 659,000 |
| Net interest income | 753,000 | 1,441,000 | 2,170,000 | 2,902,000 |
| Noninterest income | 126,000 | 381,000 | 616,000 | 758,000 |
| Noninterest expense | 458,000 | 896,000 | 1,341,000 | 1,928,000 |
| Provision for loan losses | 25,000 | 43,000 | 50,000 | 58,000 |
| Pretax income | 396,000 | 884,000 | 1,395,000 | 1,675,000 |
| Income tax | 145,000 | 318,000 | 501,000 | 613,000 |
| Net income | 251,000 | 566,000 | 894,000 | 1,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,871,000 | 10,179,000 | 10,309,000 | 10,478,000 |
| Total capital | 10,350,000 | 10,678,000 | 10,814,000 | 10,989,000 |
| Risk-weighted assets | 51,249,000 | 51,400,000 | 50,930,000 | 49,293,000 |