Call reports 2011
BANK OF SAINT ELIZABETH — 2011
What BANK OF SAINT ELIZABETH reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 101,693,000 | 98,373,000 | 99,058,000 | 96,317,000 |
| Total loans | 73,993,000 | 72,698,000 | 74,433,000 | 73,678,000 |
| Allowance for loan losses | 621,000 | 621,000 | 621,000 | 621,000 |
| Securities available for sale | 3,454,000 | 3,301,000 | 3,381,000 | 2,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,213,000 | 83,341,000 | 84,145,000 | 81,333,000 |
| Interest-bearing deposits | 69,783,000 | 68,128,000 | 68,441,000 | 64,853,000 |
| Noninterest-bearing deposits | 16,430,000 | 15,213,000 | 15,704,000 | 16,480,000 |
| Equity capital | 10,735,000 | 10,282,000 | 10,377,000 | 10,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,302,000 | 2,608,000 | 3,907,000 | 5,204,000 |
| Interest expense | 286,000 | 545,000 | 789,000 | 1,015,000 |
| Net interest income | 1,016,000 | 2,063,000 | 3,118,000 | 4,189,000 |
| Noninterest income | 168,000 | 401,000 | 583,000 | 805,000 |
| Noninterest expense | 545,000 | 1,279,000 | 1,935,000 | 2,698,000 |
| Provision for loan losses | 75,000 | 193,000 | 181,000 | 411,000 |
| Pretax income | 564,000 | 992,000 | 1,585,000 | 1,885,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 564,000 | 992,000 | 1,585,000 | 1,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,429,000 | 6,988,000 | 7,113,000 | 7,440,000 |
| Total capital | 8,050,000 | 7,609,000 | 7,734,000 | 8,061,000 |
| Risk-weighted assets | 71,922,000 | 68,805,000 | 72,133,000 | 74,097,000 |