Call reports 2007
STATE BANK OF ST. JACOB — 2007
What STATE BANK OF ST. JACOB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 40,387,000 | 39,605,000 | 40,748,000 | 42,160,000 |
| Total loans | 22,906,000 | 23,321,000 | 23,489,000 | 24,885,000 |
| Allowance for loan losses | 416,000 | 416,000 | 415,000 | 409,000 |
| Securities available for sale | 8,957,000 | 8,768,000 | 8,864,000 | 8,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,070,000 | 33,215,000 | 34,069,000 | 35,733,000 |
| Interest-bearing deposits | 27,937,000 | 27,533,000 | 27,499,000 | 29,187,000 |
| Noninterest-bearing deposits | 6,133,000 | 5,682,000 | 6,570,000 | 6,546,000 |
| Equity capital | 5,704,000 | 5,775,000 | 6,050,000 | 5,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 535,000 | 1,079,000 | 1,639,000 | 2,212,000 |
| Interest expense | 182,000 | 377,000 | 580,000 | 796,000 |
| Net interest income | 353,000 | 702,000 | 1,059,000 | 1,416,000 |
| Noninterest income | 47,000 | 90,000 | 134,000 | 183,000 |
| Noninterest expense | 202,000 | 404,000 | 601,000 | 926,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 198,000 | 388,000 | 592,000 | 673,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 198,000 | 388,000 | 592,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,736,000 | 5,876,000 | 6,030,000 | 5,706,000 |
| Total capital | 6,019,000 | 6,167,000 | 6,321,000 | 6,015,000 |
| Risk-weighted assets | 22,539,000 | 23,128,000 | 23,615,000 | 24,601,000 |