Call reports 2012
STATE SAVINGS BANK — 2012
What STATE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 85,599,000 | 82,893,000 | 91,024,000 | 88,233,000 |
| Total loans | 51,091,000 | 52,261,000 | 49,983,000 | 48,482,000 |
| Allowance for loan losses | 847,000 | 781,000 | 802,000 | 785,000 |
| Securities available for sale | 13,576,000 | 12,454,000 | 13,349,000 | 13,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,078,000 | 68,542,000 | 76,121,000 | 73,369,000 |
| Interest-bearing deposits | 49,024,000 | 47,857,000 | 53,857,000 | 51,418,000 |
| Noninterest-bearing deposits | 22,054,000 | 20,685,000 | 22,264,000 | 21,951,000 |
| Equity capital | 14,376,000 | 14,320,000 | 14,590,000 | 14,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 765,000 | 1,555,000 | 2,322,000 | 3,059,000 |
| Interest expense | 61,000 | 109,000 | 152,000 | 194,000 |
| Net interest income | 704,000 | 1,446,000 | 2,170,000 | 2,865,000 |
| Noninterest income | 190,000 | 413,000 | 748,000 | 1,060,000 |
| Noninterest expense | 613,000 | 1,239,000 | 1,868,000 | 2,567,000 |
| Provision for loan losses | 103,000 | 138,000 | 208,000 | 403,000 |
| Pretax income | 178,000 | 482,000 | 842,000 | 955,000 |
| Income tax | 59,000 | 161,000 | 282,000 | 363,000 |
| Net income | 119,000 | 321,000 | 560,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,299,000 | 14,224,000 | 14,539,000 | 14,446,000 |
| Total capital | 14,980,000 | 14,839,000 | 15,194,000 | 15,053,000 |
| Risk-weighted assets | 54,602,000 | 49,100,000 | 52,249,000 | 50,361,000 |