Call reports 2005
STATE SAVINGS BANK — 2005
What STATE SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 66,587,000 | 68,210,000 | 74,669,000 | 75,654,000 |
| Total loans | 47,633,000 | 50,640,000 | 49,644,000 | 50,530,000 |
| Allowance for loan losses | 514,000 | 508,000 | 493,000 | 513,000 |
| Securities available for sale | 14,021,000 | 13,184,000 | 14,885,000 | 16,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,535,000 | 56,852,000 | 62,966,000 | 63,822,000 |
| Interest-bearing deposits | 46,773,000 | 46,070,000 | 50,156,000 | 52,093,000 |
| Noninterest-bearing deposits | 8,762,000 | 10,782,000 | 12,810,000 | 11,729,000 |
| Equity capital | 10,495,000 | 10,810,000 | 11,131,000 | 11,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 921,000 | 1,882,000 | 2,945,000 | 4,072,000 |
| Interest expense | 170,000 | 365,000 | 582,000 | 815,000 |
| Net interest income | 751,000 | 1,517,000 | 2,363,000 | 3,257,000 |
| Noninterest income | 145,000 | 280,000 | 440,000 | 599,000 |
| Noninterest expense | 474,000 | 930,000 | 1,415,000 | 2,004,000 |
| Provision for loan losses | 5,000 | 10,000 | 28,000 | 40,000 |
| Pretax income | 417,000 | 857,000 | 1,360,000 | 1,812,000 |
| Income tax | 152,000 | 312,000 | 493,000 | 655,000 |
| Net income | 265,000 | 545,000 | 867,000 | 1,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,628,000 | 10,907,000 | 11,230,000 | 11,319,000 |
| Total capital | 11,142,000 | 11,415,000 | 11,723,000 | 11,832,000 |
| Risk-weighted assets | 50,930,000 | 52,677,000 | 54,378,000 | 57,180,000 |