Call reports 2010
STATE SAVINGS BANK — 2010
What STATE SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 81,380,000 | 77,475,000 | 83,190,000 | 80,650,000 |
| Total loans | 59,265,000 | 60,402,000 | 56,761,000 | 54,496,000 |
| Allowance for loan losses | 751,000 | 819,000 | 877,000 | 877,000 |
| Securities available for sale | 7,506,000 | 6,580,000 | 5,901,000 | 6,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,540,000 | 63,279,000 | 69,854,000 | 66,931,000 |
| Interest-bearing deposits | 57,845,000 | 52,140,000 | 55,441,000 | 52,836,000 |
| Noninterest-bearing deposits | 10,695,000 | 11,139,000 | 14,413,000 | 14,095,000 |
| Equity capital | 12,240,000 | 12,344,000 | 12,718,000 | 12,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 914,000 | 1,882,000 | 2,803,000 | 3,670,000 |
| Interest expense | 154,000 | 311,000 | 400,000 | 507,000 |
| Net interest income | 760,000 | 1,571,000 | 2,403,000 | 3,163,000 |
| Noninterest income | 102,000 | 207,000 | 448,000 | 683,000 |
| Noninterest expense | 564,000 | 1,124,000 | 1,673,000 | 2,310,000 |
| Provision for loan losses | 40,000 | 100,000 | 160,000 | 210,000 |
| Pretax income | 258,000 | 554,000 | 1,018,000 | 1,326,000 |
| Income tax | 84,000 | 182,000 | 336,000 | 397,000 |
| Net income | 174,000 | 372,000 | 682,000 | 929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,173,000 | 12,233,000 | 12,641,000 | 12,891,000 |
| Total capital | 12,908,000 | 12,967,000 | 13,348,000 | 13,569,000 |
| Risk-weighted assets | 58,817,000 | 58,662,000 | 56,370,000 | 54,011,000 |