Call reports 2005
STATE BANK OF ST. JACOB — 2005
What STATE BANK OF ST. JACOB reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 36,747,000 | 37,682,000 | 37,616,000 | 38,559,000 |
| Total loans | 22,017,000 | 22,600,000 | 23,330,000 | 23,504,000 |
| Allowance for loan losses | 418,000 | 418,000 | 418,000 | 426,000 |
| Securities available for sale | 8,565,000 | 8,861,000 | 8,739,000 | 7,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,954,000 | 31,650,000 | 31,458,000 | 32,727,000 |
| Interest-bearing deposits | 25,216,000 | 25,899,000 | 25,024,000 | 26,437,000 |
| Noninterest-bearing deposits | 5,738,000 | 5,751,000 | 6,434,000 | 6,290,000 |
| Equity capital | 5,290,000 | 5,511,000 | 5,617,000 | 5,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 440,000 | 892,000 | 1,361,000 | 1,844,000 |
| Interest expense | 103,000 | 217,000 | 340,000 | 473,000 |
| Net interest income | 337,000 | 675,000 | 1,021,000 | 1,371,000 |
| Noninterest income | 41,000 | 85,000 | 130,000 | 177,000 |
| Noninterest expense | 177,000 | 363,000 | 534,000 | 871,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 201,000 | 397,000 | 617,000 | 643,000 |
| Income tax | 0 | 0 | 0 | 7,000 |
| Net income | 201,000 | 397,000 | 617,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,387,000 | 5,533,000 | 5,703,000 | 5,372,000 |
| Total capital | 5,654,000 | 5,807,000 | 5,983,000 | 5,656,000 |
| Risk-weighted assets | 21,228,000 | 21,778,000 | 22,317,000 | 22,558,000 |