SSFN Income Statement

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Interest income:
Loans 5.92M
Securities held to maturity
Taxable 76K
Non-taxable 196K
Securities available for sale
Taxable 566K
Non-taxable 77K
FHLB dividends 25K
Other interest-earning assets 6K
Total interest income 6.87M
Interest expense:
Deposits 641K
Borrowed money 363K
Total interest expense 1M
Net interest income before provision for loan losses 5.87M
Provision for loan losses 1.6M
Net interest income after provision for loan losses 4.27M
Noninterest income:
Fees and service charges 456K
Bank owned life insurance 76K
Gain on sales of mortgage loans 162K
Gain on calls and sales of securities 2K
Other 115K
Total noninterest income 1.47M
Noninterest expenses:
Salaries and employee benefits 2.7M
Occupancy, net 517K
Equipment 184K
Data processing 328K
FDIC insurance premium 150K
Charitable contributions
Other 886K
Total noninterest expenses 4.93M
Income (loss) before income tax expense (benefit) 808K
Income tax expense (benefit) -14K
Net income (loss) 822K
Dividends on preferred stock and accretion 166K
Net income (loss) available to common stockholders 656K
Basic earnings (loss) per common share 0.11
Diluted earnings (loss) per common share 0.11
Weighted average number of common shares outstanding 5.93M
Weighted average number of diluted common shares outstanding 5.93M

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