Call reports 2010
STATE BANK OF ST. JACOB — 2010
What STATE BANK OF ST. JACOB reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 47,437,000 | 47,789,000 | 48,534,000 | 47,441,000 |
| Total loans | 26,754,000 | 26,990,000 | 26,904,000 | 26,242,000 |
| Allowance for loan losses | 451,000 | 454,000 | 436,000 | 512,000 |
| Securities available for sale | 11,405,000 | 11,942,000 | 12,063,000 | 11,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,021,000 | 40,199,000 | 40,707,000 | 40,082,000 |
| Interest-bearing deposits | 33,210,000 | 33,777,000 | 34,312,000 | 32,959,000 |
| Noninterest-bearing deposits | 6,811,000 | 6,423,000 | 6,395,000 | 7,124,000 |
| Equity capital | 6,801,000 | 6,973,000 | 7,226,000 | 6,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,092,000 | 1,636,000 | 2,167,000 |
| Interest expense | 119,000 | 235,000 | 345,000 | 447,000 |
| Net interest income | 426,000 | 857,000 | 1,291,000 | 1,720,000 |
| Noninterest income | 44,000 | 90,000 | 132,000 | 175,000 |
| Noninterest expense | 212,000 | 426,000 | 638,000 | 1,002,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 258,000 | 521,000 | 785,000 | 818,000 |
| Income tax | 5,000 | 7,000 | 10,000 | 12,000 |
| Net income | 253,000 | 514,000 | 775,000 | 806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,611,000 | 6,722,000 | 6,909,000 | 6,714,000 |
| Total capital | 6,952,000 | 7,062,000 | 7,251,000 | 7,071,000 |
| Risk-weighted assets | 27,186,000 | 27,073,000 | 27,232,000 | 28,394,000 |