Call reports 2006
STATE SAVINGS BANK — 2006
What STATE SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 73,103,000 | 71,964,000 | 80,732,000 | 75,610,000 |
| Total loans | 52,064,000 | 52,794,000 | 50,304,000 | 48,642,000 |
| Allowance for loan losses | 512,000 | 519,000 | 536,000 | 507,000 |
| Securities available for sale | 13,287,000 | 11,438,000 | 12,711,000 | 11,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,738,000 | 59,440,000 | 67,978,000 | 62,568,000 |
| Interest-bearing deposits | 49,274,000 | 49,009,000 | 54,471,000 | 51,993,000 |
| Noninterest-bearing deposits | 11,464,000 | 10,431,000 | 13,507,000 | 10,575,000 |
| Equity capital | 11,602,000 | 11,927,000 | 12,150,000 | 12,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,177,000 | 2,344,000 | 3,637,000 | 4,917,000 |
| Interest expense | 245,000 | 538,000 | 897,000 | 1,285,000 |
| Net interest income | 932,000 | 1,806,000 | 2,740,000 | 3,632,000 |
| Noninterest income | 126,000 | 250,000 | 376,000 | 493,000 |
| Noninterest expense | 477,000 | 968,000 | 1,429,000 | 2,030,000 |
| Provision for loan losses | 8,000 | 15,000 | 27,000 | 35,000 |
| Pretax income | 573,000 | 1,073,000 | 1,660,000 | 2,062,000 |
| Income tax | 201,000 | 379,000 | 586,000 | 731,000 |
| Net income | 372,000 | 694,000 | 1,074,000 | 1,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,691,000 | 12,013,000 | 12,190,000 | 12,448,000 |
| Total capital | 12,203,000 | 12,532,000 | 12,726,000 | 12,955,000 |
| Risk-weighted assets | 56,147,000 | 55,433,000 | 55,962,000 | 54,508,000 |