Call reports 2011
STATE SAVINGS BANK — 2011
What STATE SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 81,857,000 | 78,159,000 | 85,942,000 | 83,322,000 |
| Total loans | 53,810,000 | 53,595,000 | 53,184,000 | 51,339,000 |
| Allowance for loan losses | 883,000 | 936,000 | 834,000 | 957,000 |
| Securities available for sale | 8,596,000 | 6,603,000 | 6,384,000 | 7,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,018,000 | 63,982,000 | 71,643,000 | 69,014,000 |
| Interest-bearing deposits | 48,697,000 | 47,631,000 | 53,267,000 | 50,544,000 |
| Noninterest-bearing deposits | 19,321,000 | 16,351,000 | 18,376,000 | 18,470,000 |
| Equity capital | 13,041,000 | 13,249,000 | 13,271,000 | 14,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 843,000 | 1,709,000 | 2,499,000 | 3,267,000 |
| Interest expense | 91,000 | 174,000 | 249,000 | 317,000 |
| Net interest income | 752,000 | 1,535,000 | 2,250,000 | 2,950,000 |
| Noninterest income | 105,000 | 216,000 | 409,000 | 636,000 |
| Noninterest expense | 548,000 | 1,087,000 | 1,627,000 | 2,262,000 |
| Provision for loan losses | 20,000 | 75,000 | 135,000 | 675,000 |
| Pretax income | 289,000 | 589,000 | 897,000 | 649,000 |
| Income tax | 97,000 | 197,000 | 301,000 | 216,000 |
| Net income | 192,000 | 392,000 | 596,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,988,000 | 13,179,000 | 13,158,000 | 14,041,000 |
| Total capital | 13,647,000 | 13,810,000 | 13,834,000 | 14,690,000 |
| Risk-weighted assets | 52,467,000 | 52,973,000 | 53,906,000 | 51,947,000 |