Call reports 2008
SAINTS AVENUE BANK — 2008
What SAINTS AVENUE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 56,906,000 | 54,993,000 | 54,375,000 | 61,296,000 |
| Total loans | 40,195,000 | 38,210,000 | 37,984,000 | 37,528,000 |
| Allowance for loan losses | 562,000 | 1,622,000 | 1,444,000 | 1,412,000 |
| Securities available for sale | 8,598,000 | 8,961,000 | 9,389,000 | 12,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,198,000 | 49,585,000 | 48,003,000 | 54,322,000 |
| Interest-bearing deposits | 42,777,000 | 41,072,000 | 40,078,000 | 45,593,000 |
| Noninterest-bearing deposits | 8,421,000 | 8,513,000 | 7,925,000 | 8,730,000 |
| Equity capital | 5,216,000 | 5,001,000 | 4,897,000 | 5,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 894,000 | 1,623,000 | 2,296,000 | 3,005,000 |
| Interest expense | 312,000 | 575,000 | 831,000 | 1,049,000 |
| Net interest income | 582,000 | 1,048,000 | 1,465,000 | 1,956,000 |
| Noninterest income | 87,000 | 181,000 | 284,000 | 369,000 |
| Noninterest expense | 589,000 | 1,185,000 | 1,797,000 | 2,432,000 |
| Provision for loan losses | 45,000 | 1,175,000 | 1,178,000 | 1,178,000 |
| Pretax income | 35,000 | -1,131,000 | -1,226,000 | -1,285,000 |
| Income tax | 0 | -419,000 | -417,000 | -469,000 |
| Net income | 35,000 | -712,000 | -809,000 | -816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,143,000 | 5,071,000 | 4,974,000 | 4,968,000 |
| Total capital | 5,705,000 | 5,625,000 | 5,485,000 | 5,537,000 |
| Risk-weighted assets | 45,945,000 | 42,530,000 | 43,528,000 | 44,734,000 |
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