Call reports 2014
SAINT JAMES FEDERAL SAVINGS & LOAN ASSOCIATION — 2014
What SAINT JAMES FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 28,850,000 | 27,005,000 | 26,589,000 | 27,215,000 |
| Total loans | 18,662,000 | 18,193,000 | 18,375,000 | 19,068,000 |
| Allowance for loan losses | 343,000 | 345,000 | 345,000 | 334,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 791,000 | 1,269,000 | 1,231,000 | 1,198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,127,000 | 24,277,000 | 23,846,000 | 24,439,000 |
| Interest-bearing deposits | 24,417,000 | 22,039,000 | 22,318,000 | 22,997,000 |
| Noninterest-bearing deposits | 1,710,000 | 2,238,000 | 1,528,000 | 1,442,000 |
| Equity capital | 2,692,000 | 2,698,000 | 2,714,000 | 2,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 279,000 | 562,000 | 841,000 | 1,121,000 |
| Interest expense | 39,000 | 75,000 | 108,000 | 138,000 |
| Net interest income | 240,000 | 487,000 | 733,000 | 983,000 |
| Noninterest income | 16,000 | -14,000 | -10,000 | 8,000 |
| Noninterest expense | 191,000 | 402,000 | 633,000 | 838,000 |
| Provision for loan losses | 15,000 | 17,000 | 17,000 | 17,000 |
| Pretax income | 50,000 | 54,000 | 73,000 | 136,000 |
| Income tax | 17,000 | 15,000 | 18,000 | 40,000 |
| Net income | 33,000 | 39,000 | 55,000 | 96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,692,000 | 2,698,000 | 2,714,000 | 2,755,000 |
| Total capital | 2,921,000 | 2,918,000 | 2,934,000 | 2,983,000 |
| Risk-weighted assets | 18,233,000 | 17,479,000 | 17,466,000 | 18,160,000 |