Call reports 2008
BANK OF ST. CROIX — 2008
What BANK OF ST. CROIX reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 103,064,000 | 105,228,000 | 100,327,000 | 100,911,000 |
| Total loans | 55,470,000 | 57,727,000 | 56,653,000 | 58,128,000 |
| Allowance for loan losses | 569,000 | 579,000 | 584,000 | 574,000 |
| Securities available for sale | 35,500,000 | 38,130,000 | 39,540,000 | 40,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,828,000 | 96,005,000 | 89,963,000 | 89,144,000 |
| Interest-bearing deposits | 50,386,000 | 53,135,000 | 46,445,000 | 50,006,000 |
| Noninterest-bearing deposits | 41,442,000 | 42,870,000 | 43,518,000 | 39,138,000 |
| Equity capital | 10,842,000 | 9,086,000 | 10,111,000 | 11,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,430,000 | 2,863,000 | 4,314,000 | 5,719,000 |
| Interest expense | 240,000 | 477,000 | 696,000 | 896,000 |
| Net interest income | 1,190,000 | 2,386,000 | 3,618,000 | 4,823,000 |
| Noninterest income | 80,000 | 167,000 | 297,000 | 382,000 |
| Noninterest expense | 711,000 | 1,471,000 | 2,268,000 | 3,340,000 |
| Provision for loan losses | 5,000 | 15,000 | 20,000 | 30,000 |
| Pretax income | 706,000 | 1,264,000 | 1,870,000 | 2,078,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 706,000 | 1,264,000 | 1,870,000 | 2,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,149,000 | 9,749,000 | 10,355,000 | 10,575,000 |
| Total capital | 10,718,000 | 10,327,000 | 10,939,000 | 11,149,000 |
| Risk-weighted assets | 51,212,000 | 53,630,000 | 52,740,000 | 50,899,000 |
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