Call reports 2014
STATE SAVINGS BANK — 2014
What STATE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 97,086,000 | 97,070,000 | 103,314,000 | 93,490,000 |
| Total loans | 40,837,000 | 40,035,000 | 39,321,000 | 40,845,000 |
| Allowance for loan losses | 628,000 | 597,000 | 584,000 | 579,000 |
| Securities available for sale | 21,575,000 | 25,012,000 | 25,209,000 | 27,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,344,000 | 82,399,000 | 88,555,000 | 78,967,000 |
| Interest-bearing deposits | 63,823,000 | 63,488,000 | 66,709,000 | 59,779,000 |
| Noninterest-bearing deposits | 18,521,000 | 18,911,000 | 21,846,000 | 19,188,000 |
| Equity capital | 14,551,000 | 14,558,000 | 14,656,000 | 14,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 613,000 | 1,236,000 | 1,866,000 | 2,505,000 |
| Interest expense | 32,000 | 64,000 | 97,000 | 128,000 |
| Net interest income | 581,000 | 1,172,000 | 1,769,000 | 2,377,000 |
| Noninterest income | 95,000 | 198,000 | 330,000 | 443,000 |
| Noninterest expense | 633,000 | 1,204,000 | 1,836,000 | 2,667,000 |
| Provision for loan losses | -112,000 | -112,000 | -112,000 | -112,000 |
| Pretax income | 155,000 | 278,000 | 375,000 | 265,000 |
| Income tax | 47,000 | 82,000 | 106,000 | 56,000 |
| Net income | 108,000 | 196,000 | 269,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,459,000 | 14,477,000 | 14,549,000 | 14,391,000 |
| Total capital | 15,017,000 | 15,056,000 | 15,126,000 | 14,874,000 |
| Risk-weighted assets | 44,773,000 | 46,421,000 | 46,726,000 | 46,673,000 |