Call reports 2016
BANK OF ST. CROIX — 2016
What BANK OF ST. CROIX reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 148,253,000 | 147,818,000 | 135,539,000 | 144,494,000 |
| Total loans | 44,532,000 | 42,486,000 | 43,986,000 | 46,053,000 |
| Allowance for loan losses | 670,000 | 671,000 | 671,000 | 672,000 |
| Securities available for sale | 61,309,000 | 47,650,000 | 45,113,000 | 40,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,107,000 | 132,352,000 | 120,198,000 | 129,888,000 |
| Interest-bearing deposits | 67,342,000 | 69,600,000 | 59,609,000 | 61,820,000 |
| Noninterest-bearing deposits | 65,765,000 | 62,752,000 | 60,589,000 | 68,068,000 |
| Equity capital | 14,929,000 | 15,236,000 | 15,030,000 | 14,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,024,000 | 1,978,000 | 2,871,000 | 3,758,000 |
| Interest expense | 60,000 | 129,000 | 190,000 | 251,000 |
| Net interest income | 964,000 | 1,849,000 | 2,681,000 | 3,507,000 |
| Noninterest income | 159,000 | 366,000 | 520,000 | 716,000 |
| Noninterest expense | 927,000 | 1,834,000 | 2,728,000 | 3,487,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 265,000 | 539,000 | 632,000 | 895,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 265,000 | 539,000 | 632,000 | 895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,133,000 | 13,407,000 | 13,500,000 | 13,763,000 |
| Total capital | 13,709,000 | 13,935,000 | 14,039,000 | 14,304,000 |
| Risk-weighted assets | 45,961,000 | 42,120,000 | 42,960,000 | 43,186,000 |