Call reports 2009
STATE SAVINGS BANK — 2009
What STATE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 77,625,000 | 79,771,000 | 86,040,000 | 86,516,000 |
| Total loans | 63,883,000 | 60,278,000 | 58,118,000 | 57,772,000 |
| Allowance for loan losses | 679,000 | 743,000 | 667,000 | 709,000 |
| Securities available for sale | 8,314,000 | 7,032,000 | 7,314,000 | 5,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,762,000 | 65,661,000 | 72,229,000 | 68,524,000 |
| Interest-bearing deposits | 54,197,000 | 53,059,000 | 57,440,000 | 57,368,000 |
| Noninterest-bearing deposits | 9,565,000 | 12,602,000 | 14,789,000 | 11,156,000 |
| Equity capital | 13,068,000 | 13,267,000 | 13,347,000 | 12,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 992,000 | 1,975,000 | 2,916,000 | 3,849,000 |
| Interest expense | 220,000 | 419,000 | 605,000 | 773,000 |
| Net interest income | 772,000 | 1,556,000 | 2,311,000 | 3,076,000 |
| Noninterest income | 240,000 | 514,000 | 698,000 | 869,000 |
| Noninterest expense | 550,000 | 1,117,000 | 1,686,000 | 2,274,000 |
| Provision for loan losses | 15,000 | 80,000 | 140,000 | 210,000 |
| Pretax income | 447,000 | 873,000 | 1,183,000 | 1,461,000 |
| Income tax | 160,000 | 312,000 | 414,000 | 504,000 |
| Net income | 287,000 | 561,000 | 769,000 | 957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,128,000 | 13,253,000 | 13,212,000 | 12,195,000 |
| Total capital | 13,807,000 | 13,996,000 | 13,879,000 | 12,904,000 |
| Risk-weighted assets | 62,187,000 | 59,521,000 | 57,969,000 | 64,461,000 |