Call reports 2008
STATE BANK OF ST. JACOB — 2008
What STATE BANK OF ST. JACOB reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 41,413,000 | 42,577,000 | 41,368,000 | 42,657,000 |
| Total loans | 24,943,000 | 25,090,000 | 25,217,000 | 25,370,000 |
| Allowance for loan losses | 412,000 | 413,000 | 415,000 | 444,000 |
| Securities available for sale | 9,291,000 | 9,182,000 | 9,811,000 | 9,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,658,000 | 35,964,000 | 34,624,000 | 35,778,000 |
| Interest-bearing deposits | 28,643,000 | 29,794,000 | 28,531,000 | 28,918,000 |
| Noninterest-bearing deposits | 6,015,000 | 6,170,000 | 6,092,000 | 6,860,000 |
| Equity capital | 6,126,000 | 5,983,000 | 6,130,000 | 6,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 569,000 | 1,136,000 | 1,710,000 | 2,278,000 |
| Interest expense | 211,000 | 405,000 | 581,000 | 759,000 |
| Net interest income | 358,000 | 731,000 | 1,129,000 | 1,519,000 |
| Noninterest income | 43,000 | 88,000 | 131,000 | 179,000 |
| Noninterest expense | 201,000 | 424,000 | 665,000 | 1,015,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 200,000 | 395,000 | 595,000 | 633,000 |
| Income tax | 0 | 0 | 0 | 6,000 |
| Net income | 200,000 | 395,000 | 595,000 | 627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,906,000 | 5,951,000 | 6,076,000 | 6,033,000 |
| Total capital | 6,217,000 | 6,264,000 | 6,386,000 | 6,346,000 |
| Risk-weighted assets | 24,753,000 | 24,903,000 | 24,695,000 | 24,896,000 |