Call reports 2003
STATE BANK OF ST. JACOB — 2003
What STATE BANK OF ST. JACOB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 36,463,000 | 35,923,000 | 35,943,000 | 37,398,000 |
| Total loans | 18,482,000 | 19,120,000 | 18,951,000 | 20,390,000 |
| Allowance for loan losses | 435,000 | 435,000 | 436,000 | 424,000 |
| Securities available for sale | 9,169,000 | 10,216,000 | 9,929,000 | 9,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,854,000 | 30,134,000 | 30,194,000 | 31,866,000 |
| Interest-bearing deposits | 25,754,000 | 25,271,000 | 24,903,000 | 25,839,000 |
| Noninterest-bearing deposits | 5,100,000 | 4,863,000 | 5,291,000 | 6,027,000 |
| Equity capital | 5,219,000 | 5,393,000 | 5,344,000 | 5,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 458,000 | 919,000 | 1,359,000 | 1,792,000 |
| Interest expense | 139,000 | 272,000 | 394,000 | 508,000 |
| Net interest income | 319,000 | 647,000 | 965,000 | 1,284,000 |
| Noninterest income | 44,000 | 84,000 | 123,000 | 163,000 |
| Noninterest expense | 166,000 | 339,000 | 524,000 | 867,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 197,000 | 392,000 | 564,000 | 580,000 |
| Income tax | 0 | 0 | 0 | 4,000 |
| Net income | 197,000 | 392,000 | 564,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,060,000 | 5,188,000 | 5,292,000 | 5,057,000 |
| Total capital | 5,306,000 | 5,431,000 | 5,533,000 | 5,325,000 |
| Risk-weighted assets | 18,746,000 | 19,230,000 | 19,108,000 | 21,260,000 |