Call reports 2019
STATE SAVINGS BANK — 2019
What STATE SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 214,062,000 | 209,055,000 | 223,514,000 | 219,926,000 |
| Total loans | 159,582,000 | 165,840,000 | 173,655,000 | 179,745,000 |
| Allowance for loan losses | 1,108,000 | 1,092,000 | 1,122,000 | 1,293,000 |
| Securities available for sale | 10,930,000 | 9,107,000 | 6,846,000 | 7,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,179,000 | 184,261,000 | 198,566,000 | 194,651,000 |
| Interest-bearing deposits | 135,462,000 | 125,660,000 | 135,970,000 | 132,007,000 |
| Noninterest-bearing deposits | 52,717,000 | 58,601,000 | 62,596,000 | 62,644,000 |
| Equity capital | 23,880,000 | 23,717,000 | 23,849,000 | 24,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,164,000 | 4,406,000 | 6,775,000 | 9,217,000 |
| Interest expense | 179,000 | 343,000 | 522,000 | 714,000 |
| Net interest income | 1,985,000 | 4,063,000 | 6,253,000 | 8,503,000 |
| Noninterest income | 291,000 | 521,000 | 1,004,000 | 1,653,000 |
| Noninterest expense | 2,420,000 | 4,939,000 | 7,478,000 | 10,142,000 |
| Provision for loan losses | 0 | 51,000 | 111,000 | 161,000 |
| Pretax income | -42,000 | -283,000 | -160,000 | 107,000 |
| Income tax | -2,000 | -51,000 | -59,000 | 31,000 |
| Net income | -40,000 | -232,000 | -101,000 | 76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,896,000 | 23,663,000 | 23,795,000 | 23,948,000 |
| Total capital | 25,004,000 | 24,755,000 | 24,917,000 | 25,241,000 |
| Risk-weighted assets | 154,108,000 | 157,678,000 | 170,835,000 | 174,152,000 |