Call reports 2015
BANK OF ST. CROIX — 2015
What BANK OF ST. CROIX reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 137,138,000 | 124,456,000 | 125,430,000 | 127,743,000 |
| Total loans | 48,112,000 | 45,501,000 | 45,276,000 | 44,988,000 |
| Allowance for loan losses | 747,000 | 725,000 | 675,000 | 669,000 |
| Securities available for sale | 71,269,000 | 70,656,000 | 73,800,000 | 69,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,171,000 | 108,369,000 | 109,378,000 | 113,429,000 |
| Interest-bearing deposits | 52,159,000 | 50,388,000 | 54,089,000 | 56,345,000 |
| Noninterest-bearing deposits | 70,012,000 | 57,981,000 | 55,289,000 | 57,084,000 |
| Equity capital | 14,750,000 | 14,327,000 | 14,734,000 | 14,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,057,000 | 2,092,000 | 3,113,000 | 4,154,000 |
| Interest expense | 56,000 | 112,000 | 170,000 | 230,000 |
| Net interest income | 1,001,000 | 1,980,000 | 2,943,000 | 3,924,000 |
| Noninterest income | 138,000 | 286,000 | 373,000 | 515,000 |
| Noninterest expense | 984,000 | 2,041,000 | 3,081,000 | 4,026,000 |
| Provision for loan losses | 15,000 | 93,000 | 93,000 | 123,000 |
| Pretax income | 141,000 | 135,000 | 170,000 | 376,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 141,000 | 135,000 | 170,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,633,000 | 12,628,000 | 12,662,000 | 12,868,000 |
| Total capital | 13,252,000 | 13,223,000 | 13,269,000 | 13,467,000 |
| Risk-weighted assets | 49,471,000 | 47,443,000 | 48,584,000 | 47,924,000 |