Call reports 2015
STATE SAVINGS BANK — 2015
What STATE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 99,932,000 | 98,338,000 | 107,050,000 | 100,102,000 |
| Total loans | 49,552,000 | 59,278,000 | 68,635,000 | 75,332,000 |
| Allowance for loan losses | 575,000 | 666,000 | 725,000 | 739,000 |
| Securities available for sale | 24,484,000 | 5,360,000 | 5,341,000 | 4,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,217,000 | 83,582,000 | 92,214,000 | 85,510,000 |
| Interest-bearing deposits | 66,124,000 | 62,191,000 | 67,115,000 | 62,877,000 |
| Noninterest-bearing deposits | 19,093,000 | 21,391,000 | 25,099,000 | 22,633,000 |
| Equity capital | 14,678,000 | 14,601,000 | 14,667,000 | 14,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 680,000 | 1,455,000 | 2,301,000 | 3,209,000 |
| Interest expense | 30,000 | 62,000 | 89,000 | 120,000 |
| Net interest income | 650,000 | 1,393,000 | 2,212,000 | 3,089,000 |
| Noninterest income | 198,000 | 417,000 | 755,000 | 1,095,000 |
| Noninterest expense | 1,401,000 | 3,050,000 | 4,762,000 | 6,412,000 |
| Provision for loan losses | 0 | 94,000 | 169,000 | 184,000 |
| Pretax income | -553,000 | -1,366,000 | -1,996,000 | -2,444,000 |
| Income tax | -196,000 | -458,000 | -662,000 | -805,000 |
| Net income | -357,000 | -908,000 | -1,334,000 | -1,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,358,000 | 14,374,000 | 14,421,000 | 14,104,000 |
| Total capital | 14,933,000 | 15,040,000 | 15,146,000 | 14,843,000 |
| Risk-weighted assets | 53,487,000 | 61,330,000 | 69,475,000 | 71,135,000 |
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