Call reports 2013
STATE SAVINGS BANK — 2013
What STATE SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 91,147,000 | 97,752,000 | 105,519,000 | 96,126,000 |
| Total loans | 45,830,000 | 44,401,000 | 39,579,000 | 40,587,000 |
| Allowance for loan losses | 777,000 | 761,000 | 750,000 | 743,000 |
| Securities available for sale | 15,707,000 | 14,516,000 | 15,469,000 | 18,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,106,000 | 82,994,000 | 90,863,000 | 81,484,000 |
| Interest-bearing deposits | 50,492,000 | 49,108,000 | 57,997,000 | 56,733,000 |
| Noninterest-bearing deposits | 25,614,000 | 33,886,000 | 32,866,000 | 24,751,000 |
| Equity capital | 14,674,000 | 14,540,000 | 14,505,000 | 14,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 688,000 | 1,395,000 | 2,046,000 | 2,681,000 |
| Interest expense | 37,000 | 71,000 | 104,000 | 137,000 |
| Net interest income | 651,000 | 1,324,000 | 1,942,000 | 2,544,000 |
| Noninterest income | 184,000 | 332,000 | 478,000 | 487,000 |
| Noninterest expense | 566,000 | 1,242,000 | 1,833,000 | 2,435,000 |
| Provision for loan losses | 20,000 | 139,000 | 139,000 | 139,000 |
| Pretax income | 249,000 | 275,000 | 448,000 | 457,000 |
| Income tax | 55,000 | 91,000 | 147,000 | 145,000 |
| Net income | 194,000 | 184,000 | 301,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,641,000 | 14,503,000 | 14,450,000 | 14,382,000 |
| Total capital | 15,251,000 | 15,118,000 | 15,048,000 | 14,931,000 |
| Risk-weighted assets | 48,608,000 | 49,052,000 | 47,719,000 | 43,698,000 |