Call reports 2013
BANK OF ST. AUGUSTINE — 2013
What BANK OF ST. AUGUSTINE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Total assets | 168,120,000 | 164,335,000 |
| Total loans | 130,019,000 | 125,070,000 |
| Allowance for loan losses | 2,780,000 | 2,717,000 |
| Securities available for sale | 15,626,000 | 15,692,000 |
| Securities held to maturity | 902,000 | 834,000 |
| Trading assets | 0 | 0 |
| Total deposits | 144,902,000 | 141,157,000 |
| Interest-bearing deposits | 112,553,000 | 108,875,000 |
| Noninterest-bearing deposits | 32,349,000 | 32,282,000 |
| Equity capital | 14,486,000 | 14,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Interest income | 1,625,000 | 3,237,000 |
| Interest expense | 287,000 | 482,000 |
| Net interest income | 1,338,000 | 2,755,000 |
| Noninterest income | 167,000 | 352,000 |
| Noninterest expense | 1,311,000 | 2,751,000 |
| Provision for loan losses | 135,000 | 235,000 |
| Pretax income | 80,000 | 142,000 |
| Income tax | 30,000 | 54,000 |
| Net income | 50,000 | 88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Tier 1 capital | 13,368,000 | 13,334,000 |
| Total capital | 14,796,000 | 14,759,000 |
| Risk-weighted assets | 115,804,000 | 112,640,000 |