Call reports 2019
SAINTS AVENUE BANK — 2019
What SAINTS AVENUE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 89,301,000 | 90,828,000 | 93,490,000 | 104,967,000 |
| Total loans | 70,090,000 | 72,055,000 | 75,272,000 | 79,652,000 |
| Allowance for loan losses | 735,000 | 765,000 | 810,000 | 832,000 |
| Securities available for sale | 10,618,000 | 10,610,000 | 10,037,000 | 9,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,492,000 | 79,792,000 | 78,818,000 | 90,099,000 |
| Interest-bearing deposits | 66,221,000 | 64,318,000 | 64,016,000 | 75,537,000 |
| Noninterest-bearing deposits | 15,271,000 | 15,474,000 | 14,802,000 | 14,562,000 |
| Equity capital | 7,314,000 | 7,677,000 | 8,047,000 | 8,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 980,000 | 2,014,000 | 3,106,000 | 4,241,000 |
| Interest expense | 185,000 | 412,000 | 645,000 | 872,000 |
| Net interest income | 795,000 | 1,602,000 | 2,461,000 | 3,369,000 |
| Noninterest income | 120,000 | 278,000 | 411,000 | 517,000 |
| Noninterest expense | 816,000 | 1,627,000 | 2,452,000 | 3,330,000 |
| Provision for loan losses | 15,000 | 111,000 | 168,000 | 184,000 |
| Pretax income | 84,000 | 142,000 | 252,000 | 372,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 84,000 | 142,000 | 252,000 | 372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,409,000 | 7,510,000 | 7,870,000 | 7,989,000 |
| Total capital | 8,144,000 | 8,275,000 | 8,680,000 | 8,821,000 |
| Risk-weighted assets | 73,985,000 | 75,545,000 | 78,266,000 | 82,056,000 |