Call reports 2012
SAINT JAMES FEDERAL SAVINGS & LOAN ASSOCIATION — 2012
What SAINT JAMES FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 26,510,000 | 26,087,000 | 27,558,000 | 29,386,000 |
| Total loans | 17,898,000 | 17,755,000 | 18,854,000 | 19,797,000 |
| Allowance for loan losses | 304,000 | 320,000 | 296,000 | 309,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,045,000 | 1,321,000 | 1,245,000 | 1,161,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,008,000 | 23,543,000 | 23,978,000 | 26,787,000 |
| Interest-bearing deposits | 21,779,000 | 21,795,000 | 21,896,000 | 25,335,000 |
| Noninterest-bearing deposits | 2,229,000 | 1,748,000 | 2,082,000 | 1,452,000 |
| Equity capital | 2,438,000 | 2,480,000 | 2,517,000 | 2,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 306,000 | 612,000 | 917,000 | 1,214,000 |
| Interest expense | 65,000 | 127,000 | 189,000 | 249,000 |
| Net interest income | 241,000 | 485,000 | 728,000 | 965,000 |
| Noninterest income | 16,000 | 31,000 | 46,000 | 63,000 |
| Noninterest expense | 188,000 | 365,000 | 564,000 | 750,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 45,000 |
| Pretax income | 54,000 | 121,000 | 180,000 | 233,000 |
| Income tax | 19,000 | 44,000 | 66,000 | 85,000 |
| Net income | 35,000 | 77,000 | 114,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,438,000 | 2,480,000 | 2,517,000 | 2,551,000 |
| Total capital | 2,646,000 | 2,691,000 | 2,744,000 | 2,790,000 |
| Risk-weighted assets | 16,615,000 | 16,815,000 | 18,087,000 | 19,388,000 |