Call reports 2013
SAINTS AVENUE BANK — 2013
What SAINTS AVENUE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 59,144,000 | 56,324,000 | 54,709,000 | 59,041,000 |
| Total loans | 33,625,000 | 35,075,000 | 34,788,000 | 34,174,000 |
| Allowance for loan losses | 294,000 | 286,000 | 247,000 | 273,000 |
| Securities available for sale | 15,709,000 | 12,291,000 | 12,222,000 | 10,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,590,000 | 50,799,000 | 48,095,000 | 53,514,000 |
| Interest-bearing deposits | 42,225,000 | 39,265,000 | 36,834,000 | 41,547,000 |
| Noninterest-bearing deposits | 11,365,000 | 11,534,000 | 11,261,000 | 11,967,000 |
| Equity capital | 5,425,000 | 5,371,000 | 5,397,000 | 5,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 497,000 | 1,013,000 | 1,519,000 | 2,033,000 |
| Interest expense | 50,000 | 97,000 | 143,000 | 185,000 |
| Net interest income | 447,000 | 916,000 | 1,376,000 | 1,848,000 |
| Noninterest income | 97,000 | 214,000 | 315,000 | 370,000 |
| Noninterest expense | 482,000 | 964,000 | 1,463,000 | 1,990,000 |
| Provision for loan losses | 28,000 | 36,000 | 45,000 | 70,000 |
| Pretax income | 48,000 | 202,000 | 255,000 | 230,000 |
| Income tax | 11,000 | 54,000 | 65,000 | 76,000 |
| Net income | 37,000 | 148,000 | 190,000 | 154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,803,000 | 4,893,000 | 4,922,000 | 4,792,000 |
| Total capital | 5,097,000 | 5,179,000 | 5,169,000 | 5,065,000 |
| Risk-weighted assets | 43,794,000 | 44,397,000 | 44,281,000 | 44,907,000 |
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