Call reports 2010
BANK OF ST. CROIX — 2010
What BANK OF ST. CROIX reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 114,251,000 | 108,824,000 | 111,616,000 | 109,950,000 |
| Total loans | 54,127,000 | 53,634,000 | 52,754,000 | 51,940,000 |
| Allowance for loan losses | 625,000 | 635,000 | 567,000 | 616,000 |
| Securities available for sale | 40,654,000 | 45,696,000 | 44,584,000 | 46,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,606,000 | 96,434,000 | 98,638,000 | 98,199,000 |
| Interest-bearing deposits | 60,665,000 | 63,283,000 | 60,952,000 | 54,072,000 |
| Noninterest-bearing deposits | 41,941,000 | 33,151,000 | 37,686,000 | 44,127,000 |
| Equity capital | 11,363,000 | 12,254,000 | 12,829,000 | 11,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,268,000 | 2,503,000 | 3,703,000 | 4,882,000 |
| Interest expense | 152,000 | 298,000 | 447,000 | 575,000 |
| Net interest income | 1,116,000 | 2,205,000 | 3,256,000 | 4,307,000 |
| Noninterest income | 106,000 | 215,000 | 356,000 | 259,000 |
| Noninterest expense | 865,000 | 1,732,000 | 2,586,000 | 3,563,000 |
| Provision for loan losses | 15,000 | 25,000 | 40,000 | 100,000 |
| Pretax income | 342,000 | 663,000 | 986,000 | 1,051,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 342,000 | 663,000 | 986,000 | 1,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,982,000 | 11,166,000 | 11,360,000 | 11,298,000 |
| Total capital | 11,591,000 | 11,783,000 | 11,927,000 | 11,914,000 |
| Risk-weighted assets | 49,298,000 | 49,850,000 | 49,294,000 | 50,375,000 |
Machine access — free, no API key
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