Call reports 2015
SAINTS AVENUE BANK — 2015
What SAINTS AVENUE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 60,447,000 | 60,346,000 | 57,410,000 | 62,837,000 |
| Total loans | 37,890,000 | 38,002,000 | 39,397,000 | 40,143,000 |
| Allowance for loan losses | 275,000 | 281,000 | 301,000 | 307,000 |
| Securities available for sale | 10,406,000 | 10,289,000 | 10,180,000 | 8,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,756,000 | 54,637,000 | 51,536,000 | 57,082,000 |
| Interest-bearing deposits | 42,519,000 | 41,872,000 | 38,392,000 | 44,668,000 |
| Noninterest-bearing deposits | 12,237,000 | 12,765,000 | 13,144,000 | 12,414,000 |
| Equity capital | 5,515,000 | 5,511,000 | 5,561,000 | 5,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 498,000 | 994,000 | 1,501,000 | 2,008,000 |
| Interest expense | 31,000 | 56,000 | 80,000 | 106,000 |
| Net interest income | 467,000 | 938,000 | 1,421,000 | 1,902,000 |
| Noninterest income | 123,000 | 200,000 | 341,000 | 417,000 |
| Noninterest expense | 512,000 | 1,047,000 | 1,592,000 | 2,080,000 |
| Provision for loan losses | 4,000 | 7,000 | 27,000 | 33,000 |
| Pretax income | 74,000 | 84,000 | 143,000 | 206,000 |
| Income tax | 15,000 | 28,000 | 45,000 | 76,000 |
| Net income | 59,000 | 56,000 | 98,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,907,000 | 4,918,000 | 4,977,000 | 5,029,000 |
| Total capital | 5,182,000 | 5,199,000 | 5,278,000 | 5,336,000 |
| Risk-weighted assets | 45,071,000 | 47,006,000 | 47,026,000 | 48,820,000 |