Call reports 2015
SAINT JAMES FEDERAL SAVINGS & LOAN ASSOCIATION — 2015
What SAINT JAMES FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Total assets | 27,069,000 | 25,786,000 |
| Total loans | 17,462,000 | 17,753,000 |
| Allowance for loan losses | 337,000 | 332,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 1,168,000 | 1,020,000 |
| Trading assets | 0 | 0 |
| Total deposits | 24,243,000 | 22,926,000 |
| Interest-bearing deposits | 22,596,000 | 21,205,000 |
| Noninterest-bearing deposits | 1,647,000 | 1,721,000 |
| Equity capital | 2,787,000 | 2,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Interest income | 265,000 | 524,000 |
| Interest expense | 28,000 | 53,000 |
| Net interest income | 237,000 | 471,000 |
| Noninterest income | 15,000 | 28,000 |
| Noninterest expense | 204,000 | 410,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 48,000 | 89,000 |
| Income tax | 16,000 | 16,000 |
| Net income | 32,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 2,787,000 | 2,828,000 |
| Total capital | 3,002,000 | 3,048,000 |
| Risk-weighted assets | 17,156,000 | 17,450,000 |