Call reports 2006
STATE BANK OF ST. JACOB — 2006
What STATE BANK OF ST. JACOB reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 38,300,000 | 37,709,000 | 38,761,000 | 39,841,000 |
| Total loans | 23,480,000 | 23,423,000 | 23,457,000 | 23,379,000 |
| Allowance for loan losses | 428,000 | 422,000 | 422,000 | 408,000 |
| Securities available for sale | 8,611,000 | 8,482,000 | 8,592,000 | 8,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,396,000 | 31,721,000 | 32,539,000 | 33,738,000 |
| Interest-bearing deposits | 26,136,000 | 25,685,000 | 26,301,000 | 27,321,000 |
| Noninterest-bearing deposits | 6,260,000 | 6,036,000 | 6,238,000 | 6,417,000 |
| Equity capital | 5,342,000 | 5,419,000 | 5,563,000 | 5,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 981,000 | 1,493,000 | 2,020,000 |
| Interest expense | 140,000 | 290,000 | 455,000 | 636,000 |
| Net interest income | 341,000 | 691,000 | 1,038,000 | 1,384,000 |
| Noninterest income | 45,000 | 90,000 | 134,000 | 183,000 |
| Noninterest expense | 194,000 | 376,000 | 689,000 | 972,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 192,000 | 405,000 | 483,000 | 595,000 |
| Income tax | 0 | 0 | 0 | 4,000 |
| Net income | 192,000 | 405,000 | 483,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,489,000 | 5,627,000 | 5,630,000 | 5,538,000 |
| Total capital | 5,771,000 | 5,909,000 | 5,914,000 | 5,827,000 |
| Risk-weighted assets | 22,410,000 | 22,441,000 | 22,554,000 | 22,967,000 |