Call reports 2013
BANK OF ST. CROIX — 2013
What BANK OF ST. CROIX reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 119,386,000 | 114,630,000 | 116,317,000 | 124,025,000 |
| Total loans | 48,516,000 | 47,459,000 | 46,815,000 | 47,501,000 |
| Allowance for loan losses | 816,000 | 816,000 | 732,000 | 732,000 |
| Securities available for sale | 50,415,000 | 57,545,000 | 57,730,000 | 59,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,962,000 | 100,811,000 | 102,613,000 | 109,340,000 |
| Interest-bearing deposits | 51,826,000 | 49,931,000 | 54,101,000 | 50,114,000 |
| Noninterest-bearing deposits | 52,136,000 | 50,880,000 | 48,512,000 | 59,226,000 |
| Equity capital | 15,115,000 | 13,652,000 | 13,529,000 | 13,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 986,000 | 1,954,000 | 2,923,000 | 3,900,000 |
| Interest expense | 64,000 | 126,000 | 183,000 | 241,000 |
| Net interest income | 922,000 | 1,828,000 | 2,740,000 | 3,659,000 |
| Noninterest income | 131,000 | 200,000 | 326,000 | 459,000 |
| Noninterest expense | 932,000 | 1,854,000 | 2,765,000 | 3,797,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 144,000 | 198,000 | 352,000 | 372,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 144,000 | 198,000 | 352,000 | 372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,903,000 | 11,957,000 | 12,111,000 | 12,130,000 |
| Total capital | 12,485,000 | 12,534,000 | 12,696,000 | 12,724,000 |
| Risk-weighted assets | 46,347,000 | 47,007,000 | 46,783,000 | 47,412,000 |
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