Call reports 2016
SAINTS AVENUE BANK — 2016
What SAINTS AVENUE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 60,637,000 | 60,017,000 | 58,541,000 | 64,483,000 |
| Total loans | 41,160,000 | 42,353,000 | 41,455,000 | 41,981,000 |
| Allowance for loan losses | 308,000 | 316,000 | 572,000 | 528,000 |
| Securities available for sale | 9,409,000 | 9,145,000 | 7,833,000 | 13,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,886,000 | 52,941,000 | 52,269,000 | 58,370,000 |
| Interest-bearing deposits | 41,986,000 | 39,724,000 | 38,260,000 | 45,143,000 |
| Noninterest-bearing deposits | 12,900,000 | 13,217,000 | 14,009,000 | 13,227,000 |
| Equity capital | 5,538,000 | 5,629,000 | 5,964,000 | 5,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 523,000 | 1,056,000 | 1,583,000 | 2,113,000 |
| Interest expense | 27,000 | 53,000 | 79,000 | 104,000 |
| Net interest income | 496,000 | 1,003,000 | 1,504,000 | 2,009,000 |
| Noninterest income | 94,000 | 192,000 | 137,000 | 173,000 |
| Noninterest expense | 538,000 | 1,048,000 | 1,637,000 | 2,236,000 |
| Provision for loan losses | 0 | 8,000 | 274,000 | 276,000 |
| Pretax income | 52,000 | 139,000 | -262,000 | -322,000 |
| Income tax | 21,000 | 28,000 | 674,000 | 674,000 |
| Net income | 31,000 | 111,000 | -936,000 | -996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,908,000 | 4,984,000 | 5,978,000 | 5,918,000 |
| Total capital | 5,216,000 | 5,300,000 | 6,550,000 | 6,446,000 |
| Risk-weighted assets | 48,458,000 | 49,405,000 | 47,756,000 | 49,785,000 |