Call reports 2012
STATE BANK OF ST. JACOB — 2012
What STATE BANK OF ST. JACOB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 52,705,000 | 52,720,000 | 52,350,000 | 54,095,000 |
| Total loans | 24,839,000 | 24,939,000 | 24,652,000 | 24,427,000 |
| Allowance for loan losses | 543,000 | 545,000 | 570,000 | 494,000 |
| Securities available for sale | 15,488,000 | 13,855,000 | 14,215,000 | 15,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,499,000 | 44,248,000 | 43,749,000 | 45,752,000 |
| Interest-bearing deposits | 35,791,000 | 36,360,000 | 35,195,000 | 37,739,000 |
| Noninterest-bearing deposits | 8,708,000 | 7,888,000 | 8,554,000 | 8,013,000 |
| Equity capital | 7,655,000 | 7,931,000 | 8,068,000 | 7,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 482,000 | 952,000 | 1,411,000 | 1,855,000 |
| Interest expense | 77,000 | 149,000 | 216,000 | 281,000 |
| Net interest income | 405,000 | 803,000 | 1,195,000 | 1,574,000 |
| Noninterest income | 41,000 | 84,000 | 128,000 | 176,000 |
| Noninterest expense | 187,000 | 392,000 | 598,000 | 964,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 125,000 |
| Pretax income | 259,000 | 495,000 | 650,000 | 661,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 6,000 |
| Net income | 257,000 | 492,000 | 645,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,340,000 | 7,576,000 | 7,679,000 | 7,484,000 |
| Total capital | 7,677,000 | 7,911,000 | 8,013,000 | 7,817,000 |
| Risk-weighted assets | 26,731,000 | 26,577,000 | 26,486,000 | 26,511,000 |