Call reports 2003
BANK OF ST. CROIX — 2003
What BANK OF ST. CROIX reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 56,343,000 | 62,496,000 | 63,072,000 | 81,632,000 |
| Total loans | 24,259,000 | 26,388,000 | 28,632,000 | 32,296,000 |
| Allowance for loan losses | 275,000 | 288,000 | 303,000 | 328,000 |
| Securities available for sale | 23,907,000 | 27,303,000 | 27,599,000 | 30,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,318,000 | 57,074,000 | 57,800,000 | 75,840,000 |
| Interest-bearing deposits | 28,718,000 | 30,289,000 | 30,557,000 | 42,255,000 |
| Noninterest-bearing deposits | 22,600,000 | 26,785,000 | 27,243,000 | 33,585,000 |
| Equity capital | 4,868,000 | 5,301,000 | 5,122,000 | 5,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 607,000 | 1,280,000 | 1,976,000 | 2,746,000 |
| Interest expense | 122,000 | 251,000 | 355,000 | 461,000 |
| Net interest income | 485,000 | 1,029,000 | 1,621,000 | 2,285,000 |
| Noninterest income | 36,000 | 78,000 | 119,000 | 163,000 |
| Noninterest expense | 307,000 | 607,000 | 939,000 | 1,406,000 |
| Provision for loan losses | 13,000 | 26,000 | 41,000 | 66,000 |
| Pretax income | 266,000 | 557,000 | 841,000 | 1,057,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 266,000 | 557,000 | 841,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,553,000 | 4,843,000 | 5,127,000 | 5,627,000 |
| Total capital | 4,828,000 | 5,131,000 | 5,430,000 | 5,955,000 |
| Risk-weighted assets | 26,561,000 | 28,129,000 | 28,838,000 | 33,886,000 |
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