Call reports 2014
BANK OF ST. CROIX — 2014
What BANK OF ST. CROIX reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 129,693,000 | 121,481,000 | 134,604,000 | 127,531,000 |
| Total loans | 46,654,000 | 47,081,000 | 47,943,000 | 49,367,000 |
| Allowance for loan losses | 737,000 | 732,000 | 732,000 | 732,000 |
| Securities available for sale | 60,723,000 | 64,404,000 | 65,725,000 | 68,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,439,000 | 107,422,000 | 120,821,000 | 113,199,000 |
| Interest-bearing deposits | 55,914,000 | 52,128,000 | 51,572,000 | 45,803,000 |
| Noninterest-bearing deposits | 59,525,000 | 55,294,000 | 69,249,000 | 67,396,000 |
| Equity capital | 13,819,000 | 13,900,000 | 13,483,000 | 14,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 975,000 | 1,952,000 | 2,943,000 | 3,979,000 |
| Interest expense | 55,000 | 113,000 | 171,000 | 227,000 |
| Net interest income | 920,000 | 1,839,000 | 2,772,000 | 3,752,000 |
| Noninterest income | 166,000 | -41,000 | 108,000 | 253,000 |
| Noninterest expense | 995,000 | 1,998,000 | 3,019,000 | 3,980,000 |
| Provision for loan losses | 5,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 218,000 | 181,000 | 200,000 | 360,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 218,000 | 181,000 | 200,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,350,000 | 12,313,000 | 12,333,000 | 12,492,000 |
| Total capital | 12,941,000 | 12,903,000 | 12,933,000 | 13,113,000 |
| Risk-weighted assets | 47,121,000 | 47,090,000 | 47,919,000 | 49,603,000 |
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