Call reports 2007
STATE SAVINGS BANK — 2007
What STATE SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 77,731,000 | 76,356,000 | 80,919,000 | 79,745,000 |
| Total loans | 48,992,000 | 52,479,000 | 51,985,000 | 54,095,000 |
| Allowance for loan losses | 525,000 | 534,000 | 549,000 | 563,000 |
| Securities available for sale | 12,860,000 | 11,998,000 | 11,411,000 | 12,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,379,000 | 62,421,000 | 67,080,000 | 65,591,000 |
| Interest-bearing deposits | 53,957,000 | 49,888,000 | 54,925,000 | 54,608,000 |
| Noninterest-bearing deposits | 10,422,000 | 12,533,000 | 12,155,000 | 10,983,000 |
| Equity capital | 12,609,000 | 12,904,000 | 13,275,000 | 13,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,370,000 | 2,695,000 | 4,035,000 | 5,344,000 |
| Interest expense | 396,000 | 797,000 | 1,210,000 | 1,627,000 |
| Net interest income | 974,000 | 1,898,000 | 2,825,000 | 3,717,000 |
| Noninterest income | 103,000 | 211,000 | 326,000 | 467,000 |
| Noninterest expense | 502,000 | 1,036,000 | 1,534,000 | 2,156,000 |
| Provision for loan losses | 6,000 | 15,000 | 30,000 | 65,000 |
| Pretax income | 569,000 | 1,060,000 | 1,590,000 | 1,971,000 |
| Income tax | 200,000 | 378,000 | 566,000 | 703,000 |
| Net income | 369,000 | 682,000 | 1,024,000 | 1,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,614,000 | 12,927,000 | 13,269,000 | 13,513,000 |
| Total capital | 13,139,000 | 13,461,000 | 13,818,000 | 14,076,000 |
| Risk-weighted assets | 55,174,000 | 56,416,000 | 57,534,000 | 61,224,000 |