Call reports 2008
STATE SAVINGS BANK — 2008
What STATE SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 83,200,000 | 78,844,000 | 80,714,000 | 76,263,000 |
| Total loans | 56,146,000 | 58,713,000 | 57,897,000 | 59,640,000 |
| Allowance for loan losses | 573,000 | 548,000 | 588,000 | 685,000 |
| Securities available for sale | 8,854,000 | 11,983,000 | 10,888,000 | 9,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,868,000 | 64,780,000 | 66,292,000 | 61,930,000 |
| Interest-bearing deposits | 58,546,000 | 52,551,000 | 53,859,000 | 51,166,000 |
| Noninterest-bearing deposits | 10,322,000 | 12,229,000 | 12,433,000 | 10,764,000 |
| Equity capital | 13,610,000 | 13,568,000 | 13,734,000 | 13,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,234,000 | 2,376,000 | 3,483,000 | 4,534,000 |
| Interest expense | 419,000 | 763,000 | 1,046,000 | 1,299,000 |
| Net interest income | 815,000 | 1,613,000 | 2,437,000 | 3,235,000 |
| Noninterest income | 117,000 | 235,000 | 358,000 | 467,000 |
| Noninterest expense | 502,000 | 1,024,000 | 1,519,000 | 2,206,000 |
| Provision for loan losses | 10,000 | 160,000 | 205,000 | 500,000 |
| Pretax income | 420,000 | 664,000 | 1,071,000 | 996,000 |
| Income tax | 149,000 | 240,000 | 384,000 | 369,000 |
| Net income | 271,000 | 424,000 | 687,000 | 627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,549,000 | 13,585,000 | 13,788,000 | 13,971,000 |
| Total capital | 14,122,000 | 14,133,000 | 14,376,000 | 14,656,000 |
| Risk-weighted assets | 61,777,000 | 61,236,000 | 61,387,000 | 62,404,000 |