Call reports 2012
BANK OF ST. CROIX — 2012
What BANK OF ST. CROIX reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 127,768,000 | 114,249,000 | 114,329,000 | 113,652,000 |
| Total loans | 49,719,000 | 48,278,000 | 48,956,000 | 48,910,000 |
| Allowance for loan losses | 722,000 | 786,000 | 811,000 | 816,000 |
| Securities available for sale | 61,340,000 | 53,984,000 | 55,610,000 | 53,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,504,000 | 98,816,000 | 98,706,000 | 98,170,000 |
| Interest-bearing deposits | 65,696,000 | 58,546,000 | 61,397,000 | 53,576,000 |
| Noninterest-bearing deposits | 46,808,000 | 40,270,000 | 37,309,000 | 44,594,000 |
| Equity capital | 14,999,000 | 15,334,000 | 15,470,000 | 15,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,096,000 | 2,145,000 | 3,151,000 | 4,157,000 |
| Interest expense | 95,000 | 190,000 | 276,000 | 348,000 |
| Net interest income | 1,001,000 | 1,955,000 | 2,875,000 | 3,809,000 |
| Noninterest income | 73,000 | 103,000 | 148,000 | 451,000 |
| Noninterest expense | 875,000 | 1,720,000 | 2,599,000 | 3,785,000 |
| Provision for loan losses | 60,000 | 125,000 | 310,000 | 315,000 |
| Pretax income | 141,000 | 224,000 | 125,000 | 173,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 141,000 | 224,000 | 125,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,816,000 | 11,843,000 | 11,711,000 | 11,759,000 |
| Total capital | 12,433,000 | 12,425,000 | 12,312,000 | 12,346,000 |
| Risk-weighted assets | 49,219,000 | 46,390,000 | 48,851,000 | 46,748,000 |
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