Call reports 2011
STATE BANK OF ST. JACOB — 2011
What STATE BANK OF ST. JACOB reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 51,481,000 | 50,859,000 | 51,088,000 | 49,602,000 |
| Total loans | 25,292,000 | 25,406,000 | 25,866,000 | 25,870,000 |
| Allowance for loan losses | 445,000 | 509,000 | 501,000 | 538,000 |
| Securities available for sale | 12,585,000 | 13,917,000 | 14,910,000 | 14,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,886,000 | 43,013,000 | 42,951,000 | 41,656,000 |
| Interest-bearing deposits | 35,986,000 | 35,488,000 | 35,307,000 | 34,325,000 |
| Noninterest-bearing deposits | 7,899,000 | 7,526,000 | 7,643,000 | 7,330,000 |
| Equity capital | 7,017,000 | 7,270,000 | 7,572,000 | 7,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 996,000 | 1,498,000 | 1,998,000 |
| Interest expense | 93,000 | 186,000 | 273,000 | 357,000 |
| Net interest income | 406,000 | 810,000 | 1,225,000 | 1,641,000 |
| Noninterest income | 41,000 | 82,000 | 125,000 | 187,000 |
| Noninterest expense | 193,000 | 405,000 | 622,000 | 1,013,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 100,000 |
| Pretax income | 254,000 | 437,000 | 678,000 | 715,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 10,000 |
| Net income | 251,000 | 432,000 | 670,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,965,000 | 7,046,000 | 7,234,000 | 7,084,000 |
| Total capital | 7,296,000 | 7,381,000 | 7,576,000 | 7,419,000 |
| Risk-weighted assets | 26,355,000 | 26,620,000 | 27,220,000 | 26,577,000 |