Call reports 2004
STATE BANK OF ST. JACOB — 2004
What STATE BANK OF ST. JACOB reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 37,597,000 | 36,924,000 | 36,568,000 | 37,089,000 |
| Total loans | 19,841,000 | 21,987,000 | 22,769,000 | 22,202,000 |
| Allowance for loan losses | 424,000 | 422,000 | 422,000 | 415,000 |
| Securities available for sale | 9,785,000 | 9,320,000 | 9,357,000 | 9,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,776,000 | 31,217,000 | 30,634,000 | 31,372,000 |
| Interest-bearing deposits | 25,113,000 | 25,826,000 | 24,737,000 | 25,688,000 |
| Noninterest-bearing deposits | 6,663,000 | 5,391,000 | 5,897,000 | 5,684,000 |
| Equity capital | 5,390,000 | 5,266,000 | 5,471,000 | 5,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 430,000 | 865,000 | 1,311,000 | 1,756,000 |
| Interest expense | 103,000 | 206,000 | 308,000 | 412,000 |
| Net interest income | 327,000 | 659,000 | 1,003,000 | 1,344,000 |
| Noninterest income | 36,000 | 78,000 | 119,000 | 161,000 |
| Noninterest expense | 183,000 | 416,000 | 648,000 | 971,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 180,000 | 321,000 | 474,000 | 534,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 180,000 | 321,000 | 474,000 | 529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,237,000 | 5,329,000 | 5,431,000 | 5,211,000 |
| Total capital | 5,491,000 | 5,599,000 | 5,704,000 | 5,478,000 |
| Risk-weighted assets | 20,134,000 | 21,426,000 | 21,668,000 | 21,210,000 |