SFSB Inc. reported audited consolidated earnings results for the year ended December 31, 2011. For the year, the company reported total interest income of $8,588,000 compared to $9,920,000 a year ago. Net interest income was $4,904,000 compared to $5,428,000 a year ago. Net interest income after provision for loan losses was $514,000 compared to $5,129,000 a year ago. Loss before income tax expense was $5,148,000 compared to income before income tax benefit of $902,000 a year ago. Net loss was $3,043,000 or $1.14 basic and diluted per share compared to net income of $549,000 or $0.21 basic and diluted per share a year ago. Net cash provided by operating activities was $1,360,000 compared to $981,000 a year ago. Purchases of premises and equipment were $81,000 compared to $22,000 a year ago.