Call reports 2009
STATE BANK OF ST. JACOB — 2009
What STATE BANK OF ST. JACOB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 44,402,000 | 45,335,000 | 46,428,000 | 46,865,000 |
| Total loans | 25,789,000 | 26,934,000 | 27,510,000 | 26,597,000 |
| Allowance for loan losses | 447,000 | 452,000 | 455,000 | 451,000 |
| Securities available for sale | 10,644,000 | 10,808,000 | 11,009,000 | 11,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,254,000 | 38,091,000 | 38,880,000 | 39,675,000 |
| Interest-bearing deposits | 30,439,000 | 31,472,000 | 31,925,000 | 32,174,000 |
| Noninterest-bearing deposits | 6,815,000 | 6,619,000 | 6,955,000 | 7,501,000 |
| Equity capital | 6,534,000 | 6,627,000 | 6,933,000 | 6,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 557,000 | 1,128,000 | 1,714,000 | 2,280,000 |
| Interest expense | 164,000 | 321,000 | 465,000 | 597,000 |
| Net interest income | 393,000 | 807,000 | 1,249,000 | 1,683,000 |
| Noninterest income | 47,000 | 90,000 | 134,000 | 179,000 |
| Noninterest expense | 206,000 | 405,000 | 644,000 | 1,056,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 234,000 | 492,000 | 739,000 | 806,000 |
| Income tax | 0 | 2,000 | 3,000 | 4,000 |
| Net income | 234,000 | 490,000 | 736,000 | 802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,264,000 | 6,446,000 | 6,617,000 | 6,358,000 |
| Total capital | 6,583,000 | 6,773,000 | 6,965,000 | 6,692,000 |
| Risk-weighted assets | 25,381,000 | 26,403,000 | 27,749,000 | 26,623,000 |