Call reports 2016
STATE SAVINGS BANK — 2016
What STATE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 108,455,000 | 111,731,000 | 118,837,000 | 118,262,000 |
| Total loans | 83,849,000 | 90,859,000 | 96,707,000 | 98,720,000 |
| Allowance for loan losses | 739,000 | 738,000 | 720,000 | 692,000 |
| Securities available for sale | 4,882,000 | 4,108,000 | 3,829,000 | 3,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,198,000 | 89,726,000 | 96,658,000 | 95,797,000 |
| Interest-bearing deposits | 68,894,000 | 67,024,000 | 68,226,000 | 70,863,000 |
| Noninterest-bearing deposits | 22,304,000 | 22,702,000 | 28,432,000 | 24,934,000 |
| Equity capital | 14,127,000 | 14,005,000 | 13,910,000 | 13,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 942,000 | 2,013,000 | 3,100,000 | 4,220,000 |
| Interest expense | 31,000 | 68,000 | 111,000 | 163,000 |
| Net interest income | 911,000 | 1,945,000 | 2,989,000 | 4,057,000 |
| Noninterest income | 326,000 | 764,000 | 1,315,000 | 1,810,000 |
| Noninterest expense | 1,589,000 | 3,282,000 | 5,060,000 | 6,892,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -352,000 | -573,000 | -808,000 | -1,077,000 |
| Income tax | -118,000 | -191,000 | -266,000 | -354,000 |
| Net income | -234,000 | -382,000 | -542,000 | -723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,117,000 | 13,982,000 | 13,803,000 | 13,648,000 |
| Total capital | 14,856,000 | 14,720,000 | 14,523,000 | 14,340,000 |
| Risk-weighted assets | 77,063,000 | 84,857,000 | 89,479,000 | 88,805,000 |