Call reports 2009
SAINTS AVENUE BANK — 2009
What SAINTS AVENUE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 56,803,000 | 55,201,000 | 56,011,000 | 61,319,000 |
| Total loans | 38,102,000 | 35,052,000 | 34,766,000 | 34,703,000 |
| Allowance for loan losses | 1,398,000 | 771,000 | 1,009,000 | 1,010,000 |
| Securities available for sale | 12,720,000 | 12,223,000 | 12,769,000 | 14,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,474,000 | 50,394,000 | 51,464,000 | 57,017,000 |
| Interest-bearing deposits | 43,610,000 | 42,143,000 | 43,773,000 | 48,019,000 |
| Noninterest-bearing deposits | 7,864,000 | 8,251,000 | 7,691,000 | 8,998,000 |
| Equity capital | 5,207,000 | 4,660,000 | 4,369,000 | 4,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 670,000 | 1,262,000 | 1,875,000 | 2,476,000 |
| Interest expense | 217,000 | 428,000 | 630,000 | 808,000 |
| Net interest income | 453,000 | 834,000 | 1,245,000 | 1,668,000 |
| Noninterest income | 380,000 | 413,000 | 532,000 | 566,000 |
| Noninterest expense | 609,000 | 1,170,000 | 1,834,000 | 2,513,000 |
| Provision for loan losses | 0 | 477,000 | 1,003,000 | 1,006,000 |
| Pretax income | 224,000 | -400,000 | -1,060,000 | -1,277,000 |
| Income tax | 71,000 | -146,000 | -382,000 | -428,000 |
| Net income | 153,000 | -254,000 | -678,000 | -849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,121,000 | 4,714,000 | 4,289,000 | 3,480,000 |
| Total capital | 5,660,000 | 5,218,000 | 4,805,000 | 4,024,000 |
| Risk-weighted assets | 42,306,000 | 40,054,000 | 40,522,000 | 42,269,000 |
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