Call reports 2013
SAINT JAMES FEDERAL SAVINGS & LOAN ASSOCIATION — 2013
What SAINT JAMES FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 29,490,000 | 27,371,000 | 27,002,000 | 26,811,000 |
| Total loans | 18,615,000 | 18,476,000 | 18,372,000 | 18,770,000 |
| Allowance for loan losses | 324,000 | 339,000 | 349,000 | 328,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,081,000 | 970,000 | 914,000 | 870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,859,000 | 24,715,000 | 24,326,000 | 24,124,000 |
| Interest-bearing deposits | 25,006,000 | 23,353,000 | 22,604,000 | 22,869,000 |
| Noninterest-bearing deposits | 1,853,000 | 1,362,000 | 1,722,000 | 1,255,000 |
| Equity capital | 2,589,000 | 2,625,000 | 2,641,000 | 2,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 589,000 | 871,000 | 1,149,000 |
| Interest expense | 57,000 | 111,000 | 162,000 | 204,000 |
| Net interest income | 237,000 | 478,000 | 709,000 | 945,000 |
| Noninterest income | 16,000 | 30,000 | 46,000 | 58,000 |
| Noninterest expense | 190,000 | 375,000 | 585,000 | 785,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 48,000 | 103,000 | 125,000 | 158,000 |
| Income tax | 10,000 | 29,000 | 35,000 | 50,000 |
| Net income | 38,000 | 74,000 | 90,000 | 108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,589,000 | 2,625,000 | 2,641,000 | 2,659,000 |
| Total capital | 2,818,000 | 2,846,000 | 2,861,000 | 2,884,000 |
| Risk-weighted assets | 18,233,000 | 17,530,000 | 17,472,000 | 17,921,000 |