Call reports 2011
BANK OF ST. CROIX — 2011
What BANK OF ST. CROIX reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 124,852,000 | 118,475,000 | 109,998,000 | 137,606,000 |
| Total loans | 51,426,000 | 51,688,000 | 49,767,000 | 49,479,000 |
| Allowance for loan losses | 618,000 | 625,000 | 610,000 | 662,000 |
| Securities available for sale | 51,920,000 | 55,140,000 | 54,630,000 | 56,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,862,000 | 105,264,000 | 95,045,000 | 122,393,000 |
| Interest-bearing deposits | 59,386,000 | 61,349,000 | 57,757,000 | 73,407,000 |
| Noninterest-bearing deposits | 53,476,000 | 43,915,000 | 37,288,000 | 48,986,000 |
| Equity capital | 11,737,000 | 13,119,000 | 14,821,000 | 14,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,156,000 | 2,298,000 | 3,450,000 | 4,547,000 |
| Interest expense | 122,000 | 246,000 | 360,000 | 456,000 |
| Net interest income | 1,034,000 | 2,052,000 | 3,090,000 | 4,091,000 |
| Noninterest income | 74,000 | 166,000 | 139,000 | 231,000 |
| Noninterest expense | 862,000 | 1,754,000 | 2,593,000 | 3,583,000 |
| Provision for loan losses | 10,000 | 20,000 | 35,000 | 87,000 |
| Pretax income | 236,000 | 433,000 | 597,000 | 661,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 236,000 | 433,000 | 597,000 | 661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,471,000 | 11,612,000 | 11,697,000 | 11,700,000 |
| Total capital | 12,089,000 | 12,237,000 | 12,307,000 | 12,299,000 |
| Risk-weighted assets | 50,509,000 | 50,425,000 | 48,529,000 | 47,864,000 |
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