Call reports 2002
STATE BANK OF ST. JACOB — 2002
What STATE BANK OF ST. JACOB reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 32,612,000 | 34,010,000 | 33,499,000 | 35,390,000 |
| Total loans | 18,203,000 | 18,868,000 | 18,722,000 | 18,165,000 |
| Allowance for loan losses | 437,000 | 437,000 | 437,000 | 435,000 |
| Securities available for sale | 8,123,000 | 8,037,000 | 7,741,000 | 8,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,194,000 | 28,384,000 | 27,690,000 | 29,900,000 |
| Interest-bearing deposits | 21,880,000 | 23,652,000 | 22,658,000 | 24,950,000 |
| Noninterest-bearing deposits | 5,314,000 | 4,732,000 | 5,032,000 | 4,950,000 |
| Equity capital | 5,082,000 | 5,275,000 | 5,449,000 | 5,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 493,000 | 980,000 | 1,461,000 | 1,924,000 |
| Interest expense | 159,000 | 308,000 | 456,000 | 601,000 |
| Net interest income | 334,000 | 672,000 | 1,005,000 | 1,323,000 |
| Noninterest income | 40,000 | 79,000 | 120,000 | 161,000 |
| Noninterest expense | 164,000 | 331,000 | 507,000 | 786,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 210,000 | 420,000 | 618,000 | 697,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 210,000 | 420,000 | 618,000 | 692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,981,000 | 5,124,000 | 5,255,000 | 4,931,000 |
| Total capital | 5,219,000 | 5,365,000 | 5,498,000 | 5,174,000 |
| Risk-weighted assets | 18,803,000 | 19,118,000 | 19,268,000 | 19,222,000 |