Call reports 2014
SAINTS AVENUE BANK — 2014
What SAINTS AVENUE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 57,113,000 | 55,250,000 | 55,232,000 | 61,217,000 |
| Total loans | 33,942,000 | 34,260,000 | 36,907,000 | 38,204,000 |
| Allowance for loan losses | 281,000 | 276,000 | 277,000 | 278,000 |
| Securities available for sale | 10,061,000 | 10,217,000 | 10,591,000 | 10,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,583,000 | 49,666,000 | 48,614,000 | 55,608,000 |
| Interest-bearing deposits | 39,629,000 | 37,763,000 | 36,263,000 | 43,008,000 |
| Noninterest-bearing deposits | 11,954,000 | 11,903,000 | 12,351,000 | 12,600,000 |
| Equity capital | 5,366,000 | 5,415,000 | 5,435,000 | 5,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 466,000 | 938,000 | 1,415,000 | 1,919,000 |
| Interest expense | 34,000 | 69,000 | 101,000 | 133,000 |
| Net interest income | 432,000 | 869,000 | 1,314,000 | 1,786,000 |
| Noninterest income | 89,000 | 204,000 | 309,000 | 398,000 |
| Noninterest expense | 515,000 | 1,024,000 | 1,518,000 | 2,044,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | -2,000 | 41,000 | 97,000 | 132,000 |
| Income tax | -12,000 | -6,000 | 19,000 | 45,000 |
| Net income | 10,000 | 47,000 | 78,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,797,000 | 4,879,000 | 4,993,000 | 4,886,000 |
| Total capital | 5,078,000 | 5,155,000 | 5,270,000 | 5,164,000 |
| Risk-weighted assets | 44,174,000 | 43,764,000 | 45,498,000 | 47,601,000 |